Sued by LVNV (AVANT)

[LDH]

Being sued by LVNV Funding was served last 5/10/2021 or 5/11/2021. They left paperwork on my front door and patio door. I have to give my answer in 14 days. I don’t know what to do. Where do I start? 
 

 Seeking wisdom from the group:

1. Who is the named plaintiff in the suit? LVNV Funding LLC

 2. What is the name of the law firm handling the suit? Ricci Ann Crites, Attorney at Suttell, Hammer & White

 3. How much are you being sued for?  $11,452.32

 4. Who is the original creditor? (if not the Plaintiff) Avant

 5. How do you know you are being sued? (You were served, right?) Served

 6. How were you served? (Mail, In person, Notice on door) Notice on door

 7. Was the service legal as required by your state? Texas, Yes.

 8. What was your correspondence (if any) with the people suing you before you think you were being sued?
Nothing

 9. What state and county do you live in?  Houston, Texas Harris County

 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 2019, not outside of SOL.

 11. When did you open the account? 2017

 12. What is the SOL on the debt?

 13. What is the status of your case?  No court date set yet, I haven’t responded 

 Motions filed?  Nothing yet

 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No

 15. Did you request debt validation before the suit was filed? Note: No

 16. How long do you have to respond to the suit? 7 days

 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits.  Nothing

 - 18.  How did you find out about this site? Google

[Bulldoger]

Don't live in Texas but I attached a handbook. You should look into moving to arbitration Avant current agreement has one.  https://www.avant.com/cardmember-agreement/ 

read the arbitration forum here. @fisthardcheese 

 

Small Claim Defendant_202103241440077754 (1).pdf