Received a Letter?

How do you know I was sued? 

I monitor the Pennsylvania court dockets daily. When a company like Midland Credit Management, LVNV Funding, or Portfolio Recovery files a new lawsuit, it becomes public record.

I reached out to you because I saw your name on that list. 

My letter was a "heads-up" so you can take action before it's too late.

Debt Defense Myths Busted

Myth: "If I ignore it, it will go away." 

Reality: It won't. It will turn into a frozen bank account.

Myth: "I have to pay the full amount to the creditor because I spent the money." 

Reality: These 3rd-party debt buyers bought your debt for pennies on the dollar. They often don't have the paperwork to prove they own it legally. We force them to prove it.

Myth: "It's illegal for credit card companies to sell my debt."

Reality: It's completely legal. They can and they do, every single day. 

When you opened a credit card, the fine print included a clause allowing the bank to sell the account if you default. They package thousands of accounts into massive electronic spreadsheets and sell them to third-party debt buyers (like Midland, LVNV, or Portfolio Recovery) for pennies on the dollar.