Identify the exact plaintiff
Use the name on the summons and complaint. Midland Credit Management, Midland Funding, LVNV Funding, Portfolio Recovery Associates, and Cavalry SPV are different legal entities from the original creditor.
Debt buyer lawsuit guides
Use this hub when the company suing you is a debt buyer rather than the original creditor. Start with the plaintiff name, then open the state-specific guide for the court on your summons. Debt-buyer lawsuits often turn on standing, chain of title, account records, limitations, and whether the plaintiff can prove it owns your specific account.
Answer Packet $60. Full Defense $99. Answered is self-help software, not a law firm.
How to use this hub
Debt buyer lawsuits are commercially dangerous because default judgment is easy for the plaintiff if you miss the response date. The practical path is to answer on time and preserve the proof issues that matter later.
Use the name on the summons and complaint. Midland Credit Management, Midland Funding, LVNV Funding, Portfolio Recovery Associates, and Cavalry SPV are different legal entities from the original creditor.
Debt buyers often win by default. The first job is usually getting a timely Answer filed before the state deadline, then preserving proof and limitations defenses.
Look for every assignment from the original creditor to the named plaintiff, plus account-level data showing your account was included in each transfer.
Some states require debt-buyer information in the complaint itself. Other states let you request and test proof later through discovery, motions, or trial evidence.
Priority plaintiff/state pages
These are the highest-priority debt buyer clusters. Each buyer profile explains the company, while each state guide focuses on the local Answer deadline, pleading rules, and proof issues.
Proof and defense hubs
The Answer Packet is the first document. These supporting hubs explain why the defenses matter and where they usually appear in a debt-buyer case.
Canonical guide to standing, ownership, assignments, account-level transfer data, affidavits, and state-by-state proof rules.
Find the response window before the plaintiff asks for default judgment.
Check whether the account may be too old to collect in court.
Understand what happens if you miss the Answer deadline and what the plaintiff can do after judgment.
Answer Packet
Answered starts from the case basics on your summons and complaint, then produces a filing-formatted Answer Packet and checklist. You can upload papers later for a deeper scan of exhibits, chain of title, amount, dates, and plaintiff-specific proof issues.