Sued by LVNV Funding in New York? Here Is How to Respond

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Do NOT Ignore This Lawsuit

If you fail to file a written answer before the deadline, the plaintiff can obtain a default judgment against you — with no trial. Once they have that judgment, they can freeze your bank account and garnish your wages without any further warning. The only way to protect yourself is to file your answer NOW.

Who Is LVNV Funding?

LVNV Funding LLC is a debt purchasing company owned by Resurgent Capital Services. They buy large portfolios of charged-off consumer debt and file collection lawsuits across New York. LVNV is one of the most frequent plaintiffs in New York Civil Court debt cases.

Strong Defenses Against LVNV Funding

Statute of limitations — LVNV frequently sues on old debts. In New York, consumer debt has a 3-year statute of limitations
Chain of title — LVNV must prove a complete, documented chain of assignments from the original creditor to LVNV
Amount in dispute — LVNV often adds fees and interest that are difficult to verify
No original agreement — They often lack the original signed credit card agreement

LVNV and the FDCPA

LVNV Funding has faced regulatory actions and lawsuits for alleged violations of the Fair Debt Collection Practices Act (FDCPA). If LVNV or its collectors used deceptive, abusive, or harassing tactics in collecting from you, you may have a counterclaim worth ,000 in statutory damages plus attorney's fees.

How to File Your Answer in 3 Steps

Fill in Your Information

Enter your name, the plaintiff's name, county, and index number from your summons. The form updates in real time.

Select Your Defenses

Check the defenses that apply to your case — identity theft, paid debt, statute of limitations, wrong amount, and more.

Download, Sign, and File

Download your completed answer, sign it, make copies, serve the plaintiff's attorney, and file with the court clerk.

File Your NY Debt Answer Right Now — Free

Don't let them get a default judgment. Build and download your completed written answer in minutes — at no cost.

⚡ Start My Free Answer Now →

Frequently Asked Questions

What happens if I don't file an answer?

The plaintiff will apply for a default judgment. Once granted, they can freeze your bank account, garnish up to 10% of your gross wages, and report the judgment to credit bureaus — all without any further court hearing.

How long do I have to file an answer in New York?

Generally 20 days if you were personally served, or 30 days if served by other methods. Check your summons for the exact deadline — the clock starts from the date you were served.

Do I need a lawyer to file an answer?

No. New York allows you to represent yourself (pro se) in civil court. The written answer form is designed for self-represented defendants. Our free tool walks you through every field.

What if the debt isn't mine or the amount is wrong?

These are valid defenses. Check "identity theft / mistaken identity" or "I dispute the amount of the debt" on your answer form. Filing an answer forces the plaintiff to prove their case in court.

Is this really free?

Yes. The NY debt answer builder at EasyLegalFiling.com is completely free to use. Build your answer, preview it, and download it at no cost.

Sued by LVNV Funding in New York? You Have More Options Than You Think