Velocity Investments, LLC 

Who they are: Velocity is a massive debt buyer that aggressively purchases old personal loans, online internet loans (like Upstart, LendingClub, or Prosper), and credit card debt. They buy these defaulted accounts in massive electronic portfolios for a fraction of what they are worth. Then, they hire local Pennsylvania collection attorneys to drag you into court. 

How we beat them: Velocity relies on intimidation. They file lawsuits counting on the fact that you won't show up so they can win an automatic default judgment. When I step in, their easy win is over. Because they buy debt in bulk, their paperwork is often sloppy, missing, or legally useless in a Pennsylvania courtroom. When they can't prove their case, the lawsuit gets dismissed. 

 When they can't provide the evidence, we win, and you owe them zero.