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Guides for Fighting Debt Lawsuits — Page 50

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Debt Buyer Lawsuits

Sued by Cavalry SPV in Florida? Here’s What to Do

Cavalry SPV is one of the most active debt buyer filers in Florida courts. If they sued you, you have 20 days to file an Answer or the court enters default judgment for the full amount plus interest, fees, and costs. Florida has strong consumer protection laws — including a state debt collection statute that’s stronger than federal law — but it also has procedural traps that catch many pro se defendants. Here’s exactly how to fight back.

9 min read

Debt Buyer Lawsuits

Sued by Cavalry SPV in New York? What to Check First

If Cavalry SPV sued you in New York, start with the response deadline, the Consumer Credit Fairness Act rules, the complaint documents, and whether the account history supports the amount and ownership Cavalry claims.

8 min read

Debt Buyer Lawsuits

Sued by Cavalry SPV in Ohio? Here’s What to Do

Cavalry SPV files thousands of debt collection lawsuits in Ohio every year. If they sued you, you have 28 days to file an Answer or the court enters default judgment for the full amount plus interest, fees, and costs. Ohio reduced the statute of limitations on most consumer credit debt from 8 years to 6 years effective June 2021 — a change many defendants and even some attorneys still miss. Ohio also has a compulsory counterclaim rule that turns missed counterclaims into permanently waived rights. Here’s exactly how to fight back.

9 min read

Debt Buyer Lawsuits

Sued by Crown Asset Management in Georgia? Here’s What to Do

Crown Asset Management LLC is a Georgia-headquartered debt buyer that files thousands of lawsuits in Georgia courts every year. They are one of the top regional filers in the state, with deep ties to local plaintiff’s law firms — including Frederick J. Hanna & Associates, which paid a $3.1 million CFPB penalty in 2015 for unfair collection practices. If they sued you, you have 30 days to file an Answer or the court enters default judgment. Here’s exactly how to fight back.

9 min read

Debt Buyer Lawsuits

Sued by Jefferson Capital Systems in Minnesota? Here’s What to Do

Jefferson Capital Systems is a Minnesota-headquartered debt buyer that files thousands of lawsuits in Minnesota courts every year — and they file particularly heavily in their home state. If they sued you, you have 21 days to file an Answer or the court enters default judgment for the full amount plus interest, fees, and costs. Minnesota has one of the strongest consumer credit SOL protections in the country, with an absolute no-revival rule under § 541.053. Here’s exactly how to fight back.

9 min read

Debt Buyer Lawsuits

Sued by LVNV Funding in California? What to Check First

If LVNV Funding sued you in California, start with the response deadline and the documents attached to the complaint. California debt-buyer cases often turn on account-level documentation, charge-off information, assignment records, limitations timing, and whether you respond before default.

8 min read

Debt Buyer Lawsuits

Sued by LVNV Funding in Illinois? What to Check First

If LVNV Funding sued you in Illinois, start with the response deadline and the documents attached to the complaint. Illinois debt-collection cases often turn on account-level documentation, Rule 280 materials, limitations timing, and whether you file a response before default.

8 min read

Debt Buyer Lawsuits

Sued by LVNV Funding in Indiana? What to Check First

If LVNV Funding sued you in Indiana, start by identifying whether the case is in Small Claims, Circuit Court, or Superior Court. Then review the deadline, assignment records, account documents, limitations timing, and whether a response or appearance is needed before default.

8 min read

Debt Buyer Lawsuits

Sued by LVNV Funding in Minnesota? What to Check First

If LVNV Funding sued you in Minnesota, start by identifying whether the case is in Conciliation Court or District Court. Then review the deadline, assignment records, account documents, limitations timing, and whether you need to file before default.

8 min read

Debt Buyer Lawsuits

Sued by LVNV Funding in New York? What to Check First

If LVNV Funding sued you in New York, start with the response deadline, the Consumer Credit Fairness Act rules, the complaint documents, and whether the account history supports the amount and ownership LVNV claims.

8 min read

Debt Buyer Lawsuits

LVNV Funding suing you in Texas? Start your Answer before the deadline.

If LVNV Funding sued you in Texas, your deadline depends on the court: by the end of the 14th day after service in Justice Court (where most LVNV cases land), or by 10 a.m. on the Monday after 20 days in County or District Court. LVNV must also prove it owns your account through its Resurgent servicing chain — a showing many LVNV suits cannot document.

6 min read

Debt Buyer Lawsuits

Sued by LVNV Funding in Wisconsin? What to Check First

If LVNV Funding sued you in Wisconsin, start with the response deadline and the documents attached to the complaint. Wisconsin debt-buyer cases often turn on account-level proof, limitations timing, assignment records, and whether you respond before default.

8 min read

Debt Buyer Lawsuits

Sued by Midland Credit Management in Illinois? Here’s What to Do

Midland Credit Management is one of the largest debt buyers in the United States, and they file thousands of lawsuits in Illinois every year. If they sued you, you have 30 days to file an Answer or the court enters default judgment for the full amount plus interest, fees, and costs. Midland has a documented history of regulatory violations — including a $79 million CFPB penalty for filing false affidavits in court. Here’s exactly how to fight back.

9 min read

Debt Buyer Lawsuits

Sued by Midland Credit Management in Michigan? Here’s What to Do

Midland Credit Management is the largest debt buyer filer in Michigan — accounting for roughly 20% of all debt buyer lawsuits in the state, more than any other plaintiff. If they sued you, you have 21 days to file an Answer or the court enters default judgment for the full amount plus interest, fees, and costs. Midland has a documented history of regulatory violations — including a $79 million CFPB penalty for filing false affidavits in court. Here’s exactly how to fight back.

9 min read

Debt Buyer Lawsuits

Midland Credit Management Is Suing Me in Wisconsin — What Do I Do?

Midland Credit Management is the collection arm of Encore Capital Group, Inc. (NASDAQ: ECPG) — the largest publicly traded debt buyer in the United States, headquartered in San Diego, California. Midland Funding LLC, the affiliated entity that holds purchased portfolios, is the named plaintiff in most lawsuits. Encore and its Midland subsidiaries are subject to two distinct regulatory records: the 2015 federal CFPB consent order ($42 million in consumer refunds plus a $10 million civil penalty for false-affidavit and inadequate-documentation practices) and the December 2018 multistate AG settlement covering 42 states plus the District of Columbia — Wisconsin among them. In Wisconsin, the Kohl rule (Wis. Stat. § 425.109(1)(h)) and Bank of America v. Ofojebe give pro se defendants pleading-stage weapons most Midland complaints cannot survive. I know — I won my own debt-buyer case in Eau Claire County Small Claims Court in 2026 against Plaza Services LLC. This is the complete Midland × Wisconsin defense guide.

13 min read

Debt Buyer Lawsuits

Sued by Portfolio Recovery Associates in Virginia? Here’s What to Do

Portfolio Recovery Associates is headquartered in Norfolk, Virginia — and they file more debt collection lawsuits in their home state than almost any other debt buyer. Virginia uses a non-standard "Warrant in Debt" procedure that catches many pro se defendants by surprise, and missing your return date is the most common path to default judgment. Portfolio Recovery has been fined twice by the CFPB for unfair collection practices. Here’s exactly how to fight back.

10 min read

Debt Buyer Lawsuits

Portfolio Recovery Associates Is Suing Me in Wisconsin — What Do I Do?

Portfolio Recovery Associates is a Norfolk, Virginia debt buyer — a wholly owned subsidiary of PRA Group, Inc. (NASDAQ: PRAA) — with two federal CFPB consent orders against it: a 2015 action requiring $19 million in consumer redress plus an $8 million civil money penalty, and a 2023 amended order imposing an additional $24 million settlement for continued violations. In Wisconsin, the Kohl rule (Wis. Stat. § 425.109(1)(h)) and Bank of America v. Ofojebe give pro se defendants pleading-stage weapons most PRA complaints cannot survive. I know — I won my own debt-buyer case in Eau Claire County Small Claims Court in 2026 against Plaza Services LLC. This is the complete PRA × Wisconsin defense guide.

13 min read

Debt Buyer Lawsuits

Sued by Velocity Investments in New Jersey? What to Check First

If Velocity Investments sued you in New Jersey, start with the response deadline, the court named on the summons, the account documents attached to the complaint, and whether the account history supports the amount and ownership Velocity claims.

8 min read

Debt Buyer Lawsuits

CACH LLC Is Suing Me in Illinois — What Do I Do?

If CACH LLC just sued you in Illinois, you have 30 days to file your Answer. Illinois Supreme Court Rule 280 requires debt-buyer chain-of-title disclosures, and SquareTwo’s 2017 bankruptcy may create issues to review.

11 min read

Debt Buyer Lawsuits

CACH LLC Is Suing Me in New York — What Do I Do?

If CACH LLC just sued you in New York, you have as few as 20 days to respond. New York’s 3-year SOL is one of the shortest in the country, and the SquareTwo 2017 bankruptcy creates a chain-of-title gap that runs straight into CPLR § 3016(j).

11 min read

Debt Buyer Lawsuits

CACH LLC Is Suing Me in Wisconsin — What Do I Do?

If CACH LLC just sued you in Wisconsin, your response is due by the return date printed on your summons under Wis. Stat. § 799.20(1) — and SquareTwo Financial’s March 2017 Chapter 11 bankruptcy may create chain-of-title issues to review.

11 min read

Debt Buyer Lawsuits

Cavalry SPV Is Suing Me in Illinois — What Do I Do?

If Cavalry SPV just sued you in Illinois, you have 30 days to file your Answer. Illinois Supreme Court Rule 280 demands disclosures Cavalry’s SPV-to-SPV transfers often cannot satisfy.

11 min read

Debt Buyer Lawsuits

Cavalry SPV Is Suing Me in Wisconsin — What Do I Do?

Cavalry SPV is a Greenwich, Connecticut debt buyer. In Wisconsin, the Kohl rule (Wis. Stat. § 425.109(1)(h)) and Bank of America v. Ofojebe give pro se defendants pleading-stage weapons most plaintiffs cannot survive. I know — I won my own debt-buyer case in Eau Claire County Small Claims Court in 2026 against Plaza Services LLC. This is the complete Cavalry × Wisconsin defense guide.

13 min read

Defense Strategies

FDCPA: The Federal Law That Protects Debt Collection Defendants

The FDCPA limits abusive, deceptive, and unfair debt collection practices. In a lawsuit, FDCPA issues can create counterclaim leverage, but they do not replace responding before default.

14 min read