Imagine your attorney calls and says something like this. We think we can win this case, but I am recommending we offer the debt buyer a small settlement anyway. To many people, that sentence does not make sense. If the case is winnable, why offer to pay anything at all. So a fair number of people do something completely understandable.
If you have been served with a lawsuit from a company called Midland Funding LLC, you have a lot of company. Midland Funding is one of the largest and most active debt buyers in the United States, and it files collection lawsuits against Missouri consumers on a regular basis. Like most people who receive one of these lawsuits, you probably
If you have been sued by a company called LVNV Funding LLC, you are not alone. LVNV Funding is one of the most active debt buyers filing collection lawsuits in Missouri courts, and it files hundreds of cases every year against Missouri consumers. For most people, the name means nothing. They have never borrowed money from LVNV Funding, never spoken
One of the most common reasons people don’t fight a debt collection lawsuit is the assumption that hiring an attorney will cost more than the debt itself. It is a reasonable concern. Legal fees have a reputation for being unpredictable, open ended, and impossible to budget for. If you are already being sued for a few thousand dollars, the last
Getting served with a lawsuit is alarming. Whether the sheriff showed up at your door, a process server handed you papers at work, or a family member was served in your absence, the feeling is the same. Something serious just happened and you are not sure what to do about it. The first thing to understand is that being sued
Most people go through life hoping they never need a lawyer for anything beyond maybe a real estate closing or a will. But disputes happen. Contractors walk off jobs. Business partners stop holding up their end of an agreement. A car you just bought turns out to have a serious defect the dealer never mentioned. Someone runs a red light
If you’ve ever had a debt collector call you repeatedly, threaten you with consequences that never materialized, or send you letters that felt misleading, you might have accepted it as just part of being in debt. A lot of people do. They assume that if they owe money, collectors can treat them however they want until the debt is paid.
If a debt collector has ever harassed you, sent you misleading letters, or tried to collect money you don’t owe, you might have wondered whether you could do something about it. Most people assume that if the individual harm is small, there’s not much point in pursuing legal action. An attorney would cost more than the violation is worth. The
