Credit Card Lawsuit

Debt Collection Defense Attorneys

The bulk of our caseload at Artim Law is defending individuals who are sued by collection agencies.  We see lawsuits from Cavalry, LVNV Funding, Midland Funding and Portfolio Recovery Associates every day.  These guys are the large debt buyers and it appears that they’ve swallowed all of the smaller debt buyers.  Every now and again,…

Sued by Portfolio Recovery Associates?
Junk Debt Buyers

Sued by Portfolio Recovery Associates?

If you’ve been sued by Portfolio Recovery Associates (PRA), then you need to do something, right now.  Since you’re here, you obviously are at least attempting to do some research, which is a good thing.  The next step is to consult with and then hire a consumer attorney.  Please don’t make the mistake of handling a…

Credit Card Lawsuit

Should I Pay This Judgment?

Years ago, you were sued.  You lost, either because you didn’t properly defend yourself and allowed a default judgment to be entered, or, because you didn’t hire an attorney.  Now years later the collector is trying to enforce the judgment and is demanding that you pay.  Or, you’re trying to buy a new home and…

Credit Card Lawsuit

Please Hire an Attorney

Well, for the 5th time in the last 7 days I’ve had a new client inquiry where the individual has been representing themselves in a credit card lawsuit.  The common scenario is this…Debt buyer sues person.  Person goes on internet and googles what to do.  Google tells them to file an “answer” so they do…

Credit Card Lawsuit

How to Respond to a Credit Card Lawsuit

Responding to a Credit Card Lawsuit When a lawsuit is filed in the Court of Common Pleas you as the defendant have 20 days to get a written response filed with the court.  The initial written response to the lawsuit is crucial, so please heed the following advice.  There are generally two choices when responding:…

Credit Card Lawsuit

5 Steps to Beat LVNV Funding in Court

LVNV Funding is a junk debt buyer that we deal with on a daily basis.  They fell under the radar for a few years and now appear to be making a comeback.  We’ve seen dozens of LVNV cases being filed across western Pennsylvania in the last few weeks.   Below, we’ll talk about the 5…

Credit Reporting

Bad Envelope = FDCPA Violation

Douglass v Convergent Outsourcing Third Circuit Court of Appeals The Third Circuit Court of Appeals on August 28, 2014 issued a precedential opinion in the case of Douglass v Convergent Outsourcing f/k/a ER Solutions, Inc. Douglass filed an action against Convergent Outsourcing for sending a collection letter using a window envelope that exposed Mr. Douglass’s…

Credit Card Lawsuit

Who is Cavalry SPV?

We’re getting lots of cases from Cavalry SPV.  These cases are being filed in District Justice Court and the Court of Common Pleas.  In most instances, Cavalry is being represented by the fine attorneys at Apothaker Scian.   You’ve never had an account with Cavalry, you’ve never had a contract with them, they’ve never lent…

Credit Card Lawsuit

Should I Negotiate with a Debt Collector?

We’ve received many inquiries this week about negotiating with debt collectors.  Let’s get right to it… if you are sued by a debt collector, or even if you’ve received a phone call or a letter from them, you SHOULD NOT negotiate with them by yourself.   I’m not saying that negotiation is a bad idea,…

CACH is back
Junk Debt Buyers

CACH is back

CACH is a junk debt buyer that we used to deal with all the time.  They were a step above other debt buyers… it seemed that they always had a few more documents than other companies did.  They were a threat to consumers.  We had great success against them, but it was definitely a more…