I TOTALLY APPRECIATE YOU SIR!! I have been watching for a while now, been using your advice and a few others, for my own debt cases, representing myself, I have WON both times!! :D The debt, is now gone! :D You guys rock! Keep up the great work!

I was just served a summons from LVNV. I found this video right on time! I'm actually excited to go to court. I took notes and all. Great video.

Perfect!!! This is exactly the sort of document I was sent, and I noticed that chain of previous owners and had already written all that down to ask in court, because I have a right to know the details of who/what has been buying my account and possibly changing numbers on statements and such in favor of the current buyer, whoever that may be, and under what conditions it was sold. I'm really glad to know that this is the right thing to bring up, because judges must LOVE to have the informed defendant tossing out why they have a right to ALL the Purchase Agreements going back to the original owner of the debt. I may be wrong, but I think judges like fighters who have done their homework. Thank you again. I could be wrong in that LVNV LLC gets the accounts nobody else wants, and uses intimidation to collect when if people would just do their homework and fight, LVNV LLC would be out of business. They are like the smallest chipmunk, lowest in rank, who gets a crumb now and then and then uses tactics to make the most out of their crumb. Don't think, "Oh, I've been sued, and now bankruptcy lawyers are crawling out of the woodwork to "help me defend my assets from bankruptcy etc." when they obviously don't know my case. LVNV LLC goes after people who owe very little and are "ungarnishable", meaning they have no way to collect even if they technically win. They count on just suing because some will settle with them even when they shouldn't because they could have won if they had fought it. By the way, I recently received a fancy letter in the mail offering to loan me X dollars, and it wasn't a lot, at an interest rate of.....drumroll.......50.99 %. No joke. It is now in teensy tiny little pieces in the garbage.

Illinois NEED LAWERS LIKE YOU! HAPPY NEW YEAR. YOU ARE AWESOME!

Object to any affidavit by a debt collector by hearsay. That affidavit can not testify to the accuracy of a another business's records.

I LOVE this! I went through this document with you and compared it to my document from LVNV (have a Conference tomorrow). The Affidavit was worded slightly differently from Resurgent, but mostly the same. I can't wait until I have the opportunity to ask them all these questions. I think tomorrow is just a quick review and then it will go to Discovery. I am Pro Se....can't wait to see how this turns out!

Bless you for what you do. Going through this document with you was an eye opener. I never thought I could understand all the language, but you distilled it admirably.

Hey John, I am so glad I discovered and subscribed to your channel. I have learned from this one video how to dissect and defend against an affidavit such as this. Now I know what to look for at least. Thanks, and keep up the good work.

Please go thru a bill of sale John. We all really will appreciate the information. Always very explicit on your videos. Thank you and Have a Happy 2021!

This was great information and you explained so well. People so lucky to have to you in GA Thanks 🙏

Yes, this is simply a great tear-down! Love more videos like this where we get to know more about things we SHOULD know and are being hidden. Your explanation is great

There is a long chain of owners from Credit One to MHC to FNBM, to the two Sherman originators, LVNV. The signer of the affidavit can't vouch for every transfer at every link in the chain of ownership. Nor can she have "personal knowledge of the policies and procedures and business records other than LVNV, right? "The six blind men and the elephant."

Hi. Good info. The only thing that worries me is that LVNV can manufacture the "bills of sale" from one collection entity to another since they are intertwined. My issue is I received a summons from LVNV and I've never had any contact either written or phone call from them prior to the summons.

Thank you. Beat LVNV in small claims. Similar affidavit was submitted. Also, know the court practice book rules and what needs to be submitted and stated in the affidavit and who is authorized.

Great inoformation. Im being sued now by midland credit. Im in florida but i already hired a lawyer. I have yet to be served any papers. After watching several of your videos i can now understand how you can win a case against them. With your knowledge i think i could of gone to cort myself and had a good argument to win. But im still going to leave it up to the lawyer. Just subscribed. Good stuff here.

20:00 the question I ask the current debt holder.. what chain of custody did YOU demand to validate / verify ownership and amounts, etc. Was the interest accumulating from each owner and added to the "principle"? How much did you pay fir the bald right to collect? When did you get your brokers license to deal in the debt instruments?

Please do more videos like this. It was very informative. Learned a lot from this video. Thank you.

So, if a Debt Buyer she's the Consumer and LVNV puts forth this Affidavit... Once the Affidavit is challenged as "fake" or unsubstantiated resulting in the Plaintiff dismissing the case... Can the Debt Buyer now be sued for violating the FDCPA by using bogus affidavits or failing to produce standing to even sue the Consumer?

Thank you for simplicity.

Thank you for this master explication Mr. Watts I like asking if you could talk about the rule 403 and when is the best momentum to object this kind of documents despite it could be admitted as evidence if it the case. Hopefully you can helping us about it.

Another great video. I'd love a link to a video on how this case turned out (if possible). I'm also curious to know why you made that remark that Felicia's last statement wouldn't work out too well for her. Again...thanks so much for all you do.

My husband was served a summons on Sunday the 28th of January, that LVNV is suing him. The VERY next day a he received a letter from an attorney here in our state (Iowa) offering to help. I emailed them and was told they only settle with LVNV for 50% of the alleged debt, plus the attorney fee and court costs. My question is, how did this attorney have a letter in the mail to us offering to help before he was even served? And, why will they ONLY settle with LVNV for 50%, no mention of being able to fight and win the case. Just get and accept the 50% offer and that’s the best they can do for him? After watching your video, which I’m VERY glad I did, I’m wondering about the PURCHASE AGREEMENTS from Synchrony to Resurgent, and from Resurgent to LVNV. In your opinion, wouldn’t a consumer protection attorney be the first one to want those agreements before offering to settle? Am I missing something?? Thank you for any information you can give me.

Keep them coming. THANK YOU

I'm in MS and had court today with LVNV. Since the affiant signed this affidavit "under oath" and had it notarized, can they be sued for false claims?

You my friend are a life saver

I have court in the morning against LVNV and they submitted “bill of sales” from all the same companies listed MHC to FNBM to the Sherman companies. “Statements” from credit one bank stating it’s my account and owed balance but the account number is blacked out except the last 4. The rest of the paper work is lines that says Redacted all across the page.

Nothing like filing a Motion to Compel to watch the attorneys for these companies squirm and buckle. 😂

VERY, VERY IMFORMATIVE VIDEO THANK YOU FOR POSTING IT😊

I have learned so much from your years of videos. Thank you! Do you have a firm in south idaho you can recommend?

Thank you for the great information as it is very helpful.

My husband got one of these. When he called they asked his birthday to confirm identity. They then tried to threaten legal action against him of he didn't pay. He asked when the initial debt was incurred. They told him. It was a hospital bill for when he broke his arm. When he was 12... He tells them that. The guy tries to argue that there's no way he can verify how old he was when it happened. "Except, you have my birthday and the date of billing..." "... I have to go speak to my supervisor..." Yeah, no shit.

Thanks for the great content! Do you have a video or some examples maybe of a case where they have strong evidence where you would recommend a client to settle before court. Just curious to see what the flip side is. Sounds like most debt buyer lawsuits could be won with the completeness doctrine rule

Nice job on this one, John. Thanks.

Hey John, I really appreciate your videos. The information in them has been a great eye opener . I have a question maybe you can address someday. I recently heard some information that collection companies cannot collect against senior citizens or even disabled individuals. Is there any truth to that?

GREAT information. Thank you ;)

Do you request purchase agreement during trial or during discovery?

Love your information!!!

🔥🔥🔥

Is that notary signed “arlah klugh “? That same signature is listed on my business records affidavit as the representative for lvnv. I would love to send you my business records affidavit. The notary is employed by the companies.

Thankyou so much very informative videos.

Great job, well done.

Excellent!

The original creditor is in violation of the debtor's rights to privacy This is in violation of 15 U.S. Code § 6802 and 5 U.S. Code § 552 the original creditor is sharing the Defendant's private information with a non affiliated 3rd party without consent.

Love this

Wondering if i should request the Purchase Agreement when I submit my grounds for defense. Can I subpena the person on the affidavit?

going through this right now, no clue what to do.

Midland sent me the same type of proof by providing capitalone billing and said by law thats all they need for proof and dont have to show me the consumer how they own my account. But when you look at my credit report it show its being disputed but still reporting it on the report as a new account with opening date

There is one of these type accounts on my credit report, listing a unverified address that I never lived at. The post office clearified that the address listed on the account is not a verifiable address, what should I do? I live in Oklahoma, and address for account is in California. These people told me that they would take my home and take my social security disability away from me to collect the debt.

So if this comes attached to the complaint, do I respond to the affidavit as affirmative defenses, or do I need to file an objection (is that a motion?) with my response to the complaint, or do I file an objection to their use of an affidavit later, demanding a person testify, do I have to put my questions into an interrogatory document before a hearing happens, or can I wait until this comes up during the court hearing and then suddenly cross-examine the plaintiff/attorney and/or make the argument that they don't have the full purchase agreement at that time? (California)

I have two letters bill of sale dated the same day one from MCH receivables,LLL to FNBM,LLC and the other one is from FNBM LLC to Sherman Originator III LLC how can that be done on the same day?

Hello! Thank you so much for this information. May I please ask a question? Can a creditor have employees who are also notaries that sign affidavits for each other in different roles within the company? For example: I work for a company as a litigation support representative but I am also a notary public and so is my colleague and we both sign the affidavit...I being the litigation support representative and my colleague being the notary.

In an affidavit if the person states that they are employed as an Legal Specialist but have access to the account via Midland could that be the same as saying they doesn’t clarify that they actually work for Midland?

MINE DEOSNT SHOW THE SELLING TO, BUT I HAVE A FILE FULL TRACKING THIS ACCOUNT FROM CLOSE WITH ORGI CREDITOR TO MULTIPLE COLLECTIONS TO NOW A SUIT.

I have this same affidavit, I have court 8/2 , should I fight this in court, is it to late to hire an attorney? Im in Tn. Please help me?

Awesome

Man i got focked over in east ok. Midland sued me and i hired a attny and paid him. Was told case was won in my favor, and would i want to countersue. I Should have. This closed out in 2017. Now 6 yrs later im getting wage garnishment from court clerk that i had no previous info paperwork, anything. Ive been at same job for 15 yrs. How the heck can they do this without letting me know? Its same case # so i know what it is. I had no one contact me at all and attny reitired. Any ideas what to do. I make $ 300 per week and they are taking 75$ a week. My elderly Mother is dependent on me for help. How can they do this without my day in Court.

Dang I have court tomorrow I wish I knew this and I would have wrote them months ago. What do I need to say to get it dismissed and not have to pay anything? Do I just ask them to validate the debt ??

My affidavit actually doesn't even have this much content. And my question is who the heck is the person who signed it? I don't know them. And I tried to find out who they were, googled them. Couldn't find them anywhere. It was so generic, saying the same content in the complaint. Nothing of proof, then they sing they are Vice President of Legal Services. No company or anything. Legal Services for what company? Also the Bill of Sale the blocked out the Account number and the ABA number. What are they hiding would be my question. They didn't even include a case number on my docs they served to me.

I have bill of sales from all those companies and Declaration of account transfer how do you if they are real

*Great Content*

What if I send a $5 payment to the original debtor prior to the trial? Would that destroy the legitimacy of the debt Buyers suit?

Hey John, what if in my case they have the original creditors affidavit stating that everything is true and accurate. I'm sure that will not allow me to use the Hersey rule becuase the affidavit is coming from the original creditor. My question is can I still try and use the Hersey rule becuase there is no witness in court? If so, what would be the reason why I could use the heresey rule? Could it be that I don't know whether the original creditor reviewed my specific account, or has he even seen the purchase agreement to my account. Thanks for your help. 🙏

Awesome video!

I was just sued by LVNV. I have a court date. Can you help me?

So My credit shows LVNV reporting collection accounts but resurgent is sending me mail saying I owe for the same account what should I do

Wouldn't the 3 year statute of limitations to sue in SC have already passed?

They did this to me on a debt I paid 2 months before they bought it I heard nothing about this for years .. I've tried like hell to get this removed. Provided statements etc.. even Experian won't remove help

So is there ever a time when we have to pay? I had a letter in mail from original creditor stating that my account was sold to midland funding and that I still have to pay the debt. Midland included this original paper in the exhibit. They have included where the seller, fifth third band sold junk debt..including mine and provided even my social security number...last payment made...late fees and so on.

LVNV has sent an account to a lawyer in Washington. Can I still send LVNV a letter asking them to validate that they own the debt before being sued or just wait for the lawsuit? The general response I get from lawyers is just file bankruptcy.

They just left papers on my door

Sorry to tell you this, but your mic isn't plugged in. No sound!

👍🏽

can they attach your social security income?

🙏🙏🙏🙏🙏🙏🙏🙏

How could one have personal knowledge that a legal fiction kept records? I thought a legal fiction was like…imaginary.

Hey John, what if you are mentally incompetent such a legally disabled by SSA and receive SSDI.