Sued by a Debt Buyer? Defense Guides by Collector

If a debt buyer has filed a lawsuit against you, the company that sued you shapes how you respond. A debt buyer purchases charged-off debt for pennies on the dollar and then sues to collect, often without the original account documentation. Each guide below walks through the same 30-day defense approach, tailored to a specific collector: how to answer the complaint on time, how to demand proof the company owns and can validate the debt, and what to watch for in that collector's typical filings.

These are informational guides, not legal advice. Deadlines and court procedures vary by state, so consider consulting a licensed attorney about your specific case.

Defense guides by debt buyer

• Sued by Portfolio Recovery Associates - one of the largest debt buyers; a 30-day action plan to answer and contest a PRA lawsuit.
• Sued by Cavalry SPV - how to respond to a Cavalry SPV I LLC complaint and demand validation.
• Sued by LVNV Funding (Sherman/Resurgent) - the defense playbook for LVNV Funding lawsuits serviced by Resurgent.
• Sued by Midland Credit Management - what to do first when Midland (Encore) sues.