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Are You Being Sued by a Debt Buyer?
If you are looking at court papers from Midland Credit Management, LVNV Funding, Portfolio Recovery Associates, Cavalry SPV, or Jefferson Capital Systems, you are probably feeling overwhelmed.
Here is the truth: These are third-party debt buyers. They are not your original credit card company. I have fought these exact companies thousands of times in Pennsylvania, and I know exactly how to beat them.
How the Debt Buying Industry Works
Companies like LVNV and Midland buy old, defaulted credit card accounts in massive bundles for pennies on the dollar. Because they buy them in bulk, they rarely get the actual paperwork needed to prove you owe the debt legally.
They file lawsuits hoping you will ignore the court papers out of fear or hurry up and settle. If you don't show up or fight back, they win automatically by "Default." Do not give them a free victory.
Pennsylvania Law: What Can They Actually Do to You?
Many out-of-state debt collectors will try to scare you with threats of taking your paycheck.
The PA Wage Garnishment Myth: In Pennsylvania, debt collectors generally cannot garnish your wages for standard credit card debt.
The Real Threat: If these companies win a default judgment against you, they can legally instruct the sheriff to freeze your bank accounts. They can also place a lien on your home, making it difficult to sell or refinance. You have to stop them before a judge grants them that power.
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