I just received a postcard in the mail from my county courthouse that says LVNV Funding has won a default judgment against me. I was never served, so I am wondering how this is possible. I am the only one named on the card's address line and I am sure my wife was not on the account. These guys suck! I have paid them so much money in the past on a payment plan, then they turned on me and demanded the full amount when I tried to continue a payment plan. I asked how their late fees and interest on the account was being calculated and at what rates, but the gal on the phone would not tell me and just yelled at me to pay the debt and that they would no longer take payments on it. Then they started to threaten me! They told me they were looking at my parent's records and that they had the money and that I had better get it from them and pay the whole thing off or they would sue me. They harassed me on the phone when I was at work, even though I told them I couldn't talk and they were going to get me fired if they didn't stop calling. When I told them that, they just started calling more often during work hours! I sent them letters asking them to validate the debt, but they just handed it off to another one of their internal agencies which started to harass me again. Again I would send a request to validate the debt, and another handoff... Then they contacted a local attorney who sent me a letter threatening to sue me. I sent them a letter asking for validation, but they would not produce signed documents or any of the other information I requested. This debt is over 10 years old, but in Nebraska they have that stupid law that says if you paid anything on the debt, it starts the statute clock over from the last payment. I believe Nebraska SOL is 7 years, but I have given them payments within the last 2.5 years. Can you give me any advice as to what to do with this lawsuit? I am really sick of these guys!!!
They are the scum of this earth and I really want to take them down on this one!