Resurgent Capital - Sherman Aquisitions - First Performance - Lvnv Funding AND IT'S AFFILIATES ARE A JOKE!! RIPOFF! THEY ARE TRYING TO COLLECT ON A CREDIT CARD I NEVER HAD Greensville South Carolina

Lvnv funding and Resurgent Capital seem to do only the bare minimum to barely comply with proper guidelines. This is very iffy however. It may be just a matter of time before the federal governing agencies, as busy as they are, come down strongly upon the owners and designated managers of these entities. Their practices & shennanigans may well land them in very hot water.

Lvnv funding and Resurgent Capital seem to do only the bare minimum to barely comply with proper guidelines. This is very iffy however. It may be just a matter of time before the federal governing agencies, as busy as they are, come down strongly upon the owners and designated managers of these entities. Their practices & shennanigans may well land them in very hot water.

Lvnv funding and Resurgent Capital seem to do only the bare minimum to barely comply with proper guidelines. This is very iffy however. It may be just a matter of time before the federal governing agencies, as busy as they are, come down strongly upon the owners and designated managers of these entities. Their practices & shennanigans may well land them in very hot water.

Lvnv funding and Resurgent Capital seem to do only the bare minimum to barely comply with proper guidelines. This is very iffy however. It may be just a matter of time before the federal governing agencies, as busy as they are, come down strongly upon the owners and designated managers of these entities. Their practices & shennanigans may well land them in very hot water.

I don't think you need a lawyer yet. You should be able to resolve these matters yourself without having to pay anyone a dime.

Things to do:

FIRST - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.

Once you know who the creditors are you can send certified, return receipt requested letters to them demanding that false debts be removed from the credit reports per the FCRA. You can do the same to have credit report listing corrected as well. The first thing to do is demand validation, then deal with the creditors and the credit bureaus.

Don't dispair! These things can be cleared up. It takes a little time and effort but it will get fixed. Also, stay away from any of those "fix my credit" companies - they only thing they do is take a lot of money from you (that you could use to pay down existing debt) for doing things that you can do yourself.

Good luck.

I don't think you need a lawyer yet. You should be able to resolve these matters yourself without having to pay anyone a dime.

Things to do:

FIRST - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.

Once you know who the creditors are you can send certified, return receipt requested letters to them demanding that false debts be removed from the credit reports per the FCRA. You can do the same to have credit report listing corrected as well. The first thing to do is demand validation, then deal with the creditors and the credit bureaus.

Don't dispair! These things can be cleared up. It takes a little time and effort but it will get fixed. Also, stay away from any of those "fix my credit" companies - they only thing they do is take a lot of money from you (that you could use to pay down existing debt) for doing things that you can do yourself.

Good luck.

I don't think you need a lawyer yet. You should be able to resolve these matters yourself without having to pay anyone a dime.

Things to do:

FIRST - Read the Fair Debt Collection Practices Act at ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt.

Once you know who the creditors are you can send certified, return receipt requested letters to them demanding that false debts be removed from the credit reports per the FCRA. You can do the same to have credit report listing corrected as well. The first thing to do is demand validation, then deal with the creditors and the credit bureaus.

Don't dispair! These things can be cleared up. It takes a little time and effort but it will get fixed. Also, stay away from any of those "fix my credit" companies - they only thing they do is take a lot of money from you (that you could use to pay down existing debt) for doing things that you can do yourself.

Good luck.

Page 48 of the Fair Credit Reporting Act applies to your situation. Having the actual act back up your situation may help. I agree also that an attorney is probably necessary at this point. Good luck.

http://www.ftc.gov/os/statutes/031224fcra.pdf


Requirements Relating to Reinsertion of Previously Deleted Material
(i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the
information is complete and accurate.
(ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, theconsumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if
authorized by the consumer for that purpose, by any other means available to the agency.
(iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
(I) a statement that the disputed information has been reinserted;
(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably
available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and
(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

NCO has changed their name to get the heat off of them by the FTC. They arranged a "sale" to Michael J. Barrist, who was their former CEO.

Most junk debt buyers will not sue over these debts as they know that most of them are legally uncollectable, and/or cannot be properly validated. Therefore, hiring a lawyer do defend against anything other than an actual lawsuit is a waste of money.

NEVER speak to ANY debt collector on the phone. Always demand everything in writing. And, you only communicate via certified mail, return reciept requested. Be sure yo put the certified# on the letter itself, and keep a copy for your records. this proves WHAT you sent. Very Important.

Be sure to file multiple complaints with the FTC.gov site.

Upon first contact by a debt collector, always send a DEBT VALIDATION request. In this letter clearly deny the debt, and DEMAND to see whatever you allegedly signed to create this debt with THEM [the original creditor is out of the picture except for determining SOL] as well as a complete account history and itemization of charges.

Here is the contact info:
Agency Details:

LVNV Funding, LLC,

DBA/ Resurgent Capital Services, LP

Dba/ Alegis Group, LLC

Aka/ Sherman Financial Group, LLC

Fka/ Sherman Acquisitions

Aka/Ventus Capital Services

Aka/Performance Recovery Group

Aka/Receivables Management Solutions?

260 E. Wentworth Ave,

West St. Paul, MN, 55118.

PH: 651-457-1130 & 800.299.8302.

Addresses:

Bank of America Building
200 Meeting St., Suite #206
Charleston, SC 29401-3187



15 South Main Street, #600
Greenville, SC 29601



Phone: 888-665-0374-864-678-8421

877-264-5884

Fax:888-546-7697- 864-370-4998

Websites:

http://www.lvnvfunding.com/

http://www.rcap.com/

http://www.resurgent.com/

I would forget debt validation. document and provide South Carolina Attorney General detail information concerning everything you put in your ripoff report. Point out how they are reaging the debt. You have the credit bureau reports. I wish I had reports from every year.

Then hit them with detailed report and file a report with FTC. I have a feeling that LVNV dreads the FTC.

If enough people complain to the Federal Trade Commission. They will file suit against them. They will probably change their name.

I would file complaints against them. They tend to back down from what I read on the internet.

The FTC will go after cockroach feeders reaging debt. Especially when they have hundreds of complaints.

Marie:

LVNV is a junk-debt buyer. They purchase debts that been defaulted for pennies on the dollar, then try to collect on them through a multitude of collection companies (Resurgent is one of them). All of these companies are owned by the same company - Sherman Acquisitions.

They regularly break the law in order to collect money from gullible consumers. Just from what you have described, they have multiple violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and most assuredly your own state's consumer protection act.

YOU NEED TO GET YOURSELF TO A CONSUMER PROTECTION ATTORNEY RIGHT NOW. You are entitled to recover statutory damages as well as actual financial damages and punititve damages (if their behavior is bad enough).

Your attorney will tell you to stay off of the telephone and make all future demands in writing via certified mail.

More consumers need to stop taking this garbage from companies like this and start aggresively attacking their criminal and fraudulent behavior. The more that do, the better the caselaw to defend ourselves will be. Once these jerks realize that the public will make them pay for their behavior, the less likely they will be to break the law.

Good luck! Hope to see you on the Federal Court Dockets real soon!!

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This firm purchases debt which is very often out of the statute of limitations.

They are very frequent violators of the law, such as the FDCPA. Send them a certified letter, return reciept, demanding that they show that you have some contractual obligation to pay them.

Do everything by mail only. because they will lie, cheat etc.