Debt Buyer Defense - Fight Back & Win
Sued by a Company You've Never Heard Of? Don't Pay Them a Cent Until We Review Your Case.
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Common Debt Buyer Tactics
Debt buyers rely on volume, not accuracy. Their shortcuts are your defense.
No Proof of Ownership
They cannot prove they actually own your specific debt (broken 'chain of title').
Expired Debts
Suing you for a debt that is too old to be legally collected (Statute of Limitations).
Wrong Amount
Adding illegal interest or fees that weren't in your original contract.
Identity Theft
Suing you for a debt that belongs to someone with a similar name.
The Process
From harassment to compensation in three simple steps.
Free Review
We analyze your case at no cost
We File Suit
We take legal action against violators
You Get Paid
Receive compensation for violations
Who is "Midland Credit Management" or "Portfolio Recovery Associates"? You didn't borrow money from them. So why are they suing you?
These are Junk Debt Buyers. They buy old, defaulted debts from credit card companies for pennies on the dollar—sometimes less than 5 cents for every $1 of debt. Then, they aggressively sue you for the full amount.
Here is the secret they don't want you to know: They often can't prove their case. Because they buy debts in massive spreadsheets with little documentation, they frequently lack the legal proof required to win in court. Hyslip Legal fights these companies every day to get cases dismissed and money back for our clients.
Call for a free consultation: (614) 362-3322
What is a Debt Buyer?
A debt buyer is a company that purchases portfolios of delinquent debt from original creditors (like Chase, Citibank, or Bank of America). They are NOT the original lender.
Common debt buyers we defeat include:
- Midland Credit Management (MCM) / Midland Funding
- Portfolio Recovery Associates (PRA)
- LVNV Funding
- Cavalry SPV I, LLC
- Jefferson Capital Systems
The "Chain of Title" Problem: To win in court, a debt buyer must prove every link in the chain of ownership from the original bank to them. They often fail to do this.
Is this happening to you?
You may be entitled to compensation of $500–$1,500 per violation.
Call Us NowHow We Defeat Them
When a debt buyer sues you, the worst thing you can do is ignore it. If you ignore it, they get a "Default Judgment" and can garnish your wages. But if you fight back, their case often crumbles.
1. Demanding Proof (The "Show Me the Paper" Defense)
We force them to produce the original contract signed by you, account statements from the original creditor, and the specific "Bill of Sale" that transferred your specific account to them. Often, they only have a generic spreadsheet line, which is not enough evidence.
2. The Statute of Limitations
Debt doesn't last forever. In many states, if a debt is 4-6 years old, it is "time-barred," meaning they cannot legally sue you for it. Debt buyers often try to sue anyway, hoping you won't notice. This is a violation of the FDCPA.
3. FDCPA Counterclaims
Debt buyers are considered "debt collectors" under federal law. If they lie, threaten you, or sue on an expired debt, we can turn the tables and sue them. Instead of you paying them, they may have to pay you up to $1,000 plus your attorney fees.
Sued by a Debt Buyer?
Do not ignore the lawsuit. We can often get these cases dismissed or settled for a fraction of the cost.
Your Options
Dismissal
If they lack the proper evidence, we ask the court to throw the case out entirely. You pay them nothing.
Settlement
If they do have some proof, we can often negotiate a settlement for much less than the full amount (often 30-50%).
Counter-Suit
If they violated the FDCPA (e.g., suing on time-barred debt), we sue them for damages and attorney fees.
Bankruptcy
If you have overwhelming debt from many sources, Chapter 7 bankruptcy can wipe it all out instantly.
Frequently Asked Questions
Should I call them to explain I can't pay?
No. Anything you say can be used against you. Admitting the debt is yours can "restart the clock" on the statute of limitations. Call us first.
They sent me a court summons. Do I have to go?
You must respond ("file an Answer") by the deadline, or you will lose automatically. We can handle this filing for you.
Can they garnish my wages?
Only if they get a judgment against you. We fight to prevent that judgment from ever happening.
How much does it cost to hire you?
We offer flat-fee defense for lawsuits and contingency (free) representation for FDCPA counterclaims. The consultation is always free.
Don't Let Them Win by Default
They are counting on you to give up. We are here to fight back.
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