Maybe not. LVNV didn't lend you the money — they bought your old account, often in a bundle with thin paperwork.
To win, they have to prove they actually own your specific account and back up every dollar. You don't have to know how to make them — that's what this does.
LVNV bought your old account cheap and is betting you won't fight back. When someone makes them prove they own it, a lot of the time they can't. That silence is the win.
Making them prove it is the whole job. That's what we do for you.
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A lawsuit has a deadline. Ignore it and LVNV wins automatically. The first move is simple, and you can do it today.
LVNV Funding, serviced by Resurgent Capital is a debt buyer. It didn't issue your original credit card — it purchased the charged-off account, frequently as part of a large portfolio with limited documentation.
That creates two questions when a case is contested. First, can LVNV prove it owns your specific account, with an unbroken chain of ownership from the original bank through any intermediate sales? Second, can it prove the exact balance to the penny, including how interest and fees were added? The records often fall short.
Responding is what forces the question. Prove It Toolkit prepares the demand letters that put the burden back on LVNV to produce its chain of ownership and a complete accounting.
This page is general information, not legal advice. For deadlines and procedure in your case, contact the court listed on your summons or a licensed attorney in your state.
If LVNV comes back with full documentation and won't drop it, that's when you may want to negotiate a settlement. Most of the time, it doesn't get that far.
Not a law firm and not legal advice. You contact the court and meet your own deadlines, and you approve every letter before it's sent. 7-day money-back guarantee.