Beat Debt Collector Lawsuit

Summary

The user is dealing with a debt collection lawsuit from LVNV Funding for a credit card debt. In Florida, the statute of limitations for credit card debt is 4 years. Potential defenses include the expiration of the statute of limitations, requiring LVNV to prove ownership of the debt, and the fact that the user never made a payment or acknowledged the debt to LVNV. Consulting with a lawyer for personalized advice is recommended.

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unknown
I understand your situation. In Florida, the statute of limitations for credit card debt is 4 years, for written contracts is 5 years, and for promissory notes is 5 years. Can you tell me when you last had contact with LVNV Funding or made a payment on this debt?
it is a credit card debt
Thank you for the details. Since it's a credit card debt, the statute of limitations in Florida is 4 years. Can you recall when the last payment was made or when you last had contact with LVNV Funding?
never paid LVNV as I never contracted with them. They bought the credit card debt from original creditor
It seems you're dealing with a "zombie debt" situation. Here are some potential defenses:
- The statute of limitations has expired. In Florida, it's 4 years for credit card debt.
- LVNV must prove they own your debt.
- You never made a payment or acknowledged the debt to LVNV.
Remember, this is general advice. Consult with a lawyer for your specific situation.