Junk Debt Buyer Lawsuits in Plantation, FL
Sued by a Company You Don’t Recognize? Let Us Fight Back.
Have you been sued by a company like LVNV Funding, Portfolio Recovery Associates, Midland Funding, or Cavalry SPV I, LLC? If so, you’re not alone — and you’re not defenseless.
These companies are called junk debt buyers. They purchase charged-off debts for pennies on the dollar and then aggressively pursue consumers — often without proper documentation, legal standing, or accuracy.
At Segaul Law Firm, we have over 25 years of experience defending clients in Plantation, Sunrise, Fort Lauderdale, and across South Florida against junk debt buyer lawsuits. If you’ve been served with a complaint or legal summons, we’ll act fast to protect your rights, your income, and your future.
What Is a Junk Debt Buyer?
A junk debt buyer is a company that purchases defaulted or “charged-off” accounts from original creditors, like banks or credit card companies. These debts are often years old, contain incomplete records, and have passed through several hands.
Once purchased, the debt buyer files a lawsuit against you — often using:
- Outdated or incorrect account information
- Little to no proof that you owe the debt
- Generic statements or affidavits not admissible in court
Their business model depends on you not fighting back — but at Segaul Law Firm, we fight back hard.
Common Junk Debt Buyers We Defend Against
We regularly defend clients sued by companies including:
- Midland Funding, LLC
- Portfolio Recovery Associates, LLC
- LVNV Funding, LLC
- Cavalry SPV I, LLC
- Absolute Resolutions Investments
- Velocity Investments, LLC
- Unifund CCR Partners
- CACH, LLC
If you’ve been sued by one of these or another third-party debt collector, call us immediately. You may have strong legal defenses.
Why You Shouldn’t Ignore the Lawsuit
Ignoring a debt buyer lawsuit will result in a default judgment, which gives the company the legal right to:
- Garnish your wages
- Freeze your bank account
- Place liens on your property
- Damage your credit for years
But when you work with Segaul Law Firm, we may be able to:
- Get the case dismissed entirely
- Force the debt buyer to prove every detail
- Challenge the lawsuit on legal or procedural grounds
- Negotiate a favorable settlement or payment plan
- Stop collection activity with bankruptcy, if appropriate
Common Defenses to Junk Debt Buyer Lawsuits
✔ Lack of Legal Standing
Debt buyers must prove they own the debt and have the right to sue. We challenge their ability to do so.
✔ Insufficient Documentation
We force them to produce original contracts, charge-off statements, and payment histories — which they often don’t have.
✔ Statute of Limitations Expired
In Florida, most debt lawsuits must be filed within 5 years of the last payment. If your case is older, we can seek dismissal.
✔ Amount Claimed Is Inflated or Incorrect
Many lawsuits include unauthorized fees, interest, or vague figures. We review every dollar claimed.
✔ Debt Has Been Paid, Settled, or Discharged in Bankruptcy
We help prove prior resolutions and stop duplicate or unlawful claims.
What to Do If You’ve Been Sued
- Do not ignore the summons — you typically have 20 days to respond in Florida.
- Call Segaul Law Firm immediately — we’ll evaluate your case and advise the best strategy.
- Avoid contacting the debt buyer yourself — anything you say may be used against you.
- Gather all related documents — old statements, payment records, or prior settlements help us build your defense.
Why Choose Segaul Law Firm?
✔ 25+ Years of Lawsuit Defense Experience
✔ Local, Personalized Representation
✔ We Handle All Court Filings and Appearances
✔ Affordable Fees and Flexible Payment Plans
✔ Trusted by South Florida Consumers
We understand how frightening it is to be sued — especially by a company you’ve never heard of. We’ll stand between you and the courtroom and fight to keep your income, your property, and your peace of mind intact.
Frequently Asked Questions
Q: I don’t even recognize the name of the company suing me. What should I do?
A: That’s common. Debt buyers often go by names you’ve never seen. Let us verify whether the debt is real, current, and collectible.
Q: What happens if I ignore the lawsuit?
A: A default judgment will be entered against you, allowing garnishment and property seizure. Always respond — or let us respond for you.
Q: Can I win against a debt buyer?
A: Absolutely. Many junk debt buyers lack the documentation or legal standing to proceed. We’ve helped many clients get these lawsuits dismissed.
Q: Will this affect my credit?
A: A lawsuit or judgment will hurt your credit, but resolving it — especially through dismissal or settlement — can prevent long-term damage.
Don’t Let a Junk Debt Buyer Win by Default
If you’ve been sued by a third-party debt collector, you have legal rights — but you must act fast. Let Segaul Law Firm defend your case and help you move forward with clarity and control.
📞 Call Now: 954-424-3600
📧 Email: [email protected]
📍 Visit Us: 300 S Pine Island Rd, Suite 304, Plantation, FL 33324
Serving Plantation, Sunrise, Fort Lauderdale, and all of South Florida.
Junk debt buyers count on your silence. With Segaul Law Firm, you’ll never face them alone.