If you ignore it, LVNV wins automatically — a default judgment. From there they can move to garnish your wages or freeze your bank account.
But you don't have to ignore it, and you don't have to figure it out alone. The first move is simple, and you can make it today.
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.
When LVNV Funding, serviced by Resurgent Capital files suit and the person served doesn't respond by the deadline — usually 20 to 30 days — the court can enter a default judgment. That's a win for LVNV without the case ever being argued, and it can lead to wage garnishment, a bank levy, or a lien.
LVNV is a debt buyer, not the original lender. It buys charged-off accounts in bulk and files large volumes of collection suits, many of which end in default simply because no one responded. When a case is contested, LVNV has to produce a chain of ownership tracing the account to them and a complete accounting of the balance — and that record is often incomplete.
Responding, instead of ignoring, is what forces that question. Prove It Toolkit prepares the demand letters that put the burden back on LVNV.
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.