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I recently have had LVNV file a lawsuit against me similar to what other forum members have experienced. I wanted to try and fight this myself and could use a couple of tips instead of going the lawyer route as it seems pretty cut and dry that they are not the original creditor and have had no written agreement or have they shown proof they own the debt. I have written my response based on what other member have used on this thread but not sure I have done everything correctly. If anyone with experience with law and/or dealing with LVNV could please take a look at my response that would be extremely appreciated. I would even pay for someone to help with professionally writing the response as an option. PM me if you can assist. Thanks
Lots of CIC meat in these 69 (!) pages. Note: this paper is a draft. Jiménez, Dalié, Illegality in the Sale and Collection of Consumer Debts (December 5, 2013). Available at SSRN: http://ssrn.com/abstract=2250784 or http://dx.doi.org/10.2139/ssrn.2250784 Dalié Jiménez: "Associate Professor of Law and Jeremy Bentham Scholar, University of Connecticut School of Law. Former Policy Fellow in the founding staff of the Consumer Financial Protection Bureau, where Ifocused on debt collection, debt relief, and credit reporting. This paper benefited immensely fromcomments from participants at the 2013 Law & Society Comparative Household Debt and Insolvencyworkshop and at the Junior Scholars Workshop at the University of Connecticut School of Law, inparticular, Dan Schwarcz and Patricia McCoy. Many thanks also to the UConn Law Faculty andattendees at the Faculty Workshop Series. Many thanks also to John Tonetti, Peter Holland, JimGreiner, Doug Spencer, and Rafael Pardo. The views expressed herein are my own. Any mistakes aremine."