What is LVNV Funding LLC?

Clients Helped

48000 +

Cases Defended

75000 +

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If you’ve received a letter or lawsuit from LVNV Funding LLC, you’re probably wondering who they are and why they’re contacting you. You may not recognize the name because LVNV is not your original creditor — they’re a debt buyer.

LVNV Funding LLC is a large debt-buying company. They don’t originate loans or issue credit. Instead, they purchase portfolios of charged-off debt from original creditors and then attempt to collect the money themselves — often through third-party collection agencies or by filing lawsuits.

Toll Free: 800-220-4318

💳 Where Does the Debt Come From?

Portfolio Recovery doesn’t originate loans or issue credit. Instead, they buy charged-off debts from original creditors for a fraction of the balance — sometimes just pennies on the dollar. Common creditors they purchase from include:

They buy millions of dollars in debt portfolios and then attempt to collect the full amount from consumers.

⚖️ Can LVNV Funding Sue You?

Yes. LVNV frequently files collection lawsuits against consumers. If you’ve been served with a lawsuit from them, do not ignore it. Failing to respond can result in a default judgment, which allows them to:

Garnish wages (if permitted by state law)
Freeze bank accounts
Place liens on property

📄 Do You Actually Owe the Debt?

Just because LVNV claims you owe them doesn’t mean they can legally prove it. They must provide evidence in court that:

They legally purchased the debt
The balance is accurate
You are the correct debtor

Debt buyers often struggle to produce complete documentation — and this can be used as a defense in court.

👨‍⚖️ How Weston Legal Can Help

At Weston Legal, we’ve defended hundreds of thousands of debt collection lawsuits, including many filed by Portfolio Recovery Associates. We offer:

Flat fees
Payment plans
A team focused solely on credit card and debt buyer defense

We may be able to get the case dismissed, reduce the balance, or settle the lawsuit affordably — depending on your situation.

Mike Weston, Esq.

Mike Weston is a seasoned debt lawsuit defense attorney and founder of Weston Legal. Since 2005, Mike has devoted his career to compassionately helping consumers struggling with issues involving their personal and business debts. Mike is grateful to have been able to help tens of thousands of clients become empowered with knowledge on the path to financial stability.