Been Sued by a Debt Buyer?
If you've been sued by one of these companies, you may have strong legal defenses. Most debt buyers lack the documentation to prove their case.
Common Debt Buyers Who Sue Consumers:
- Encore Capital Group (Midland Credit Management / Midland Funding)
- PRA Group (Portfolio Recovery Associates)
- Sherman Financial Group (LVNV Funding / Resurgent Capital Services)
- Cavalry Portfolio Services (Cavalry SPV I, LLC)
- Jefferson Capital Systems
- Unifund CCR Partners
- Crown Asset Management
- Absolute Resolutions Investments
- The Bureaus, Inc. / Bureaus Investment Group
- Velocity Investments
- Credit Corp Solutions
- Asta Funding / Palisades Collection
- Harris & Harris
- Portfolio Recovery Group
If you recognize any of these names from a lawsuit or collection notice, keep reading.
What You Need to Know
Debt Buyers Often Lack Critical Documentation
When your original creditor (like a credit card company) sells your debt, the debt buyer receives limited paperwork. They rarely get your original signed contract, complete payment history, or proper chain of custody documents.
You Have the Right to Demand Proof
Under federal law (FDCPA) and state consumer protection laws, you can demand that debt buyers prove they own your debt and that the amount claimed is accurate. If they can't provide this proof, their lawsuit may fail.
Time Is Critical
If you've been served with a lawsuit, you typically have 20-30 days to respond (varies by state). Missing this deadline can result in a default judgment against you. Act quickly to protect your rights.
Common Legal Defenses
Demand Proof of Ownership
Debt buyers must prove they legally own your debt through a complete chain of title. Most can't produce these documents.
Challenge Missing Documentation
They need the original contract, account statements, and assignment records. These are often incomplete or missing entirely.
Verify the Debt Amount
Force them to itemize every charge, fee, and interest calculation. Inflated amounts are common and often indefensible.
What to Do Next
Our 46-letter validation kit gives you the tools to demand proof, challenge documentation, and expose weaknesses in debt buyer claims. Each letter targets a specific legal requirement they must meet.
Step 1
Get the 46-letter validation kit instantly
Step 2
Fill in your information and send certified mail
Step 3
Force them to prove their case—or watch it collapse
Instant download • Lifetime access • One-time payment
Legal Disclaimer: This is not legal advice. We are not a law firm and do not provide legal representation. These are template letters based on your rights under federal law. If you need legal advice or representation, please consult a qualified attorney in your jurisdiction. Results may vary based on individual circumstances.
46 Letters • 9 Categories • Instant Access