In some cases, they might not be able to validate the debt at all. To request a debt validation, you can use the following contact information: Physical Address: 55 Beattie Pl, Greenville, SC 29601. Mailing Address: PO Box 10497, Greenville, SC 29603. Phone number: (888) 665-0374. Website: https://www.lvnvfunding.com.The outlook is bleak at United Airlines with many travelers opting again to stay at or near home amid the resurgence of the coronavirus pandemic across much of the U.S. The outlook...The Municipal Court judge found that LVNV’s documentary evidence failed to “establish a chain of custody between the original creditor and [LVNV].” Appx. 006. After her victory in the Municipal Court, Gwiazda sued LVNV and P&F in federal court claiming that they violated the Fair Debt Collection Practices Act (“FDCPA”).If you have an attorney, make sure you discuss with he or she all the considerations raised here. If you need help settling or defending a debt collection lawsuit, stopping harassing debt collectors or suing a debt collector, contact us today to see what we can do for you. The Law Offices of Robert J. Nahoum, P.C. (845) 232-0202.Nov 21, 2022 ... LVNV Funding, LLC, and. Resurgent Capital Services,. L.C.,. Defendants. ) ) ) ) ) ) MEMORANDUM OPINION AND ORDER. Valerie Thomas sued defendants ...LVNV Funding contracts with another company called Resurgent Capital Services that’s responsible for actually collecting on the debt. That means while you may see LVNV Funding on your credit reports, if you hear from a debt collector, it’ll probably be Resurgent that contacts you.Tracking secondary deals gives us insight into how investors are thinking about a company's valuation and exit timeline. Venture capitalists and startup founders alike went into 20...SALLC is involved with the management of LVNV; SALP and SAIILP have traded as LVNV; and In the Matter of LVNV Funding, et al., Md. Comm. Fin. Reg., Case No. DFR-FY2012012, 2011 WL 5894366 at 5-7 (2011) (hereafter LVNV Enforcement Action). 1 2 • Resurgent Capital Services Limited Partnership, a/k/a Resurgent Capital Services LP, …Aug 17, 2023 ... Once LVNV Funding, LLC has purchased a debt, they (or their collecting arm, Resurgent Capital Services) try to collect on the debt owed by ...The outlook is bleak at United Airlines with many travelers opting again to stay at or near home amid the resurgence of the coronavirus pandemic across much of the U.S. The outlook...202688027. An Employer Identification Number (EIN) is also known as a Federal Tax Identification Number, and is used to identify a business entity. Generally, businesses need an EIN. Business Name. LVNV FUNDING LLC. Conformed submission company name, business name, organization name, etc. CIK.LVNV Funding LLC (“the Current Owner”) currently owns the Account, having acquired it on April 21, 2023. Resurgent Capital Services L.P. (“Resurgent”) isIf you are being sued by Resurgent Capital Services in California for credit card debt, you are essentially being sued by debt collector LVNV Funding. If you have been served with a debt collection lawsuit from Resurgent Capital Services (LVNV), you need to take immediate action, so that a default judgement isn’t filed against you. A default …Attorney here - not providing legal advice as you are not a client - Resurgent and LVNV are debt purchasers, who routinely pay just pennies on the dollar for old debt, including “zombie debt.” They bank on pressuring people to pay with vague threats and basic intimidation. You can tell them to piss off (or use nicer terms if you prefer).LVNV Funding, LLC, No. 14 Civ. 5682 (SJF) (AKT), 2017 WL 1323800, at *5 (E.D.N.Y. Feb. 28, 2017) (records of credit card agreement with third-party bank, submitted by defendants LVNV and Resurgent, admissible under Rule 803(6), where LVNV authorized representative affirmed personal knowledge of its records and that documents …LVNV Funding agreed to a $100,000 class action settlement to resolve claims it filed unlawful collection lawsuits in Illinois. The settlement benefits individuals named in a collection lawsuit filed by LVNV Funding LLC or Resurgent Capital in Illinois courts between Sept. 19, 2010, and Sept. 30, 2018. LVNV Funding is a debt-collection company ...French Polynesia has closed its borders to all tourists due to a resurgence of COVID-19 cases around the world. New Zealand also announced that it won’t reopen to tourism until the...LVNV Funding. Create your profile with Resurgent. Capital Services. and start taking. control of your debt. Continue to Resurgent Capital Services. Learn more about your connection to LVNV Funding. It all starts with an account that you opened. This may have been a credit card, a loan, or services.The proof of claim, filed by LVNV Funding LLC c/o Resurgent Capital Services, is for a total amount of $7,246.26, with a secured portion of $800 and an unsecured portion of $6,446.26. Resurgent/LVNV did not respond to Ms. Rodriguez’s objection, and on November 19, 2018, she filed a proposed order disallowing the claim, for the Court’s ...The proof of claim, filed by LVNV Funding LLC c/o Resurgent Capital Services, is for a total amount of $7,246.26, with a secured portion of $800 and an unsecured portion of $6,446.26. Resurgent/LVNV did not respond to Ms. Rodriguez’s objection, and on November 19, 2018, she filed a proposed order disallowing the claim, for the Court’s ... We're here to help. Having a debt in collections is more common than you may realize. We're experts in this field, helping thousands of consumers each month resolve their obligations. Our goal is to make a potentially uncomfortable, discouraging process like debt collection as easy and encouraging as possible. Morgan v. LVNV Funding, LLC Doc. 55 Case 2:21-cv-12967-LJM-JJCG ECF No. 55, PageID.934 Filed 09/07/23 Page 1 of 20 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION ERIK MORGAN, Plaintiff, Case No. 21-12967 Honorable Laurie J. Michelson v. LVNV FUNDING, LLC, Defendant. LVNV Funding LLC (“LVNV”) owns numerous accounts for Mr. xxxxx Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts owned by LVNV. Our previous response satisfies the requirements for validation of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”).🚫 DON'T PAY A DIME to LVNV until you watch this video. If they're trying to collect from you, there are ways you can get a better deal than they are offeri...On May 27, 2010, the Harris Firm sent Fritz a letter demanding payment on behalf of its client, which it identified as Resurgent LLC. The letter made no mention of LVNV. In addition, Resurgent LP reported to various credit agencies, on behalf of LVNV, that Fritz owed $2,838, which sum included $160 in court costs.In recent years, there has been a remarkable resurgence in the popularity of vinyl records. Music enthusiasts and collectors alike are rediscovering the unique charm and value of o...Resurgent acts as a master servicing agent for LVNV and has a limited power of attorney on LVNV's behalf for this purpose. Resurgent uses the mails and telephone to collect consumer debts originally owed to others. LVNV reports credit information for accounts it owns to credit reporting agencies, including Experian, Equifax, and TransUnion.Phone number: 1-888-665-0374. Website: www.Resurgent.com. Mailing address: PO Box 10466 Greenville, SC 29603. Email: [email protected]. Remember, if you're contacted by a debt collector, be careful about accepting responsibility for a debt or setting up a payment plan before validating the debt.Resurgent acts as a master servicing agent for LVNV and has a limited power of attorney on LVNV's behalf for this purpose. Resurgent uses the mails and telephone to collect consumer debts originally owed to others. LVNV reports credit information for accounts it owns to credit reporting agencies, including Experian, … LVNV Funding has 4 locations, ... Resurgent Capital Services is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers. Resurgent Capital ... LVNV Funding and Resurgent Capital Services collects on unpaid debt and handles debt collection services for a variety of creditors, including banks, credit unions, medical providers, and other creditors. Understanding LVNV Funding LLC and how it can affect your credit report is important. In this blog post, we’ll explain what LVNV Funding is ...LVNV Funding LLC (“the Current Owner”) currently owns the Account, having acquired it on April 21, 2023. Resurgent Capital Services L.P. (“Resurgent”) isContact Warren and Migliaccio, LLP Attorneys At Law today to schedule your free consultation and start planning your legal strategy. You do not owe just because they say so. Call (888) 584-9614 or click here to submit a consultation request form now. LVNV Funding, LLC is known for aggressively pursuing debt holders.Dec 17, 2013 ... Basically, LVNV Funding buys debt, then has Resurgent try and collect on the accounts. Resurgent may then outsource the debt collection to ...LVNV Funding LLC (“LVNV”) currently owns the two accounts referenced in the inquiry. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.What Debtors Should Know About LVNV Funding and Debt Settlement. LVNV Funding isn’t just a debt collector; it’s a debt purchaser. That means it buys up old accounts, mainly credit cards, for pennies on the dollar. Then the company goes after the debtors for the amounts it claims are owed. LVNV sometimes uses an affiliate known as Resurgent ...According to the Better Business Bureau, customers can contact LVNV Funding by calling 800-363-3115. Alternatively, customers can send written correspondence to 700 Executive Cente...According to the company’s website, LVNV Funding LLC, (“LVNV”) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP (Resurgent) to manage that debt. Resurgent may try to collect the debt from people, but most often the company will hire collection agencies to handle the day-to-day collection ...LVNV Funding LLC (“LVNV”) owns numerous accounts for Mr. xxxxx Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts owned by LVNV. Our previous response satisfies the requirements for validation of debt in compliance with the Fair Debt Collection Practices Act (“FDCPA”).Resurgent (LVNV Funding) Question. I have a collection that is 1 year and 1 month old. The balance is $687.40. They told me they can’t send a letter beforehand saying they will pay to delete, but to look at their FAQ’s and it is listed in there. “- If an account is paid in full or settled in full after we begin credit reporting and the ...Nov 27, 2017 ... Defendant LVNV Funding LLC (“LVNV”) is a debt collector with its registered agent located at 1703 Laurel Street, Columbia, South Carolina 29223.Dec 17, 2013 ... Basically, LVNV Funding buys debt, then has Resurgent try and collect on the accounts. Resurgent may then outsource the debt collection to ...LVNV Funding LLC (“LVNV”) currently owns the two accounts referenced in the inquiry. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of these accounts.Factual Allegations. On May 14, 2015, Defendants filed a Statement of Claim against Jones in the Philadelphia Municipal Court for $3,519.51 for an alleged default on a Springleaf Financial Services, Inc. credit account (the "Collection Lawsuit"), which resulted in a judgement in Jones's favor.Who Is LVNV Funding? LVNV Funding, LLC is a debt buyer. They purchase unpaid debts from other companies for a fraction of the amount owed. Once LVNV Funding, LLC has purchased a debt, they (or their collecting arm, Resurgent Capital Services) try to collect on the debt owed by sending letters, making phone calls, and filing a debt lawsuit ...Resurgent (LVNV Funding) Question. I have a collection that is 1 year and 1 month old. The balance is $687.40. They told me they can’t send a letter beforehand saying they will pay to delete, but to look at their FAQ’s and it is listed in there. “- If an account is paid in full or settled in full after we begin credit reporting and the ...Resurgent acts as a master servicing agent for LVNV and has a limited power of attorney on LVNV's behalf for this purpose. Resurgent uses the mails and telephone to collect consumer debts originally owed to others. LVNV reports credit information for accounts it owns to credit reporting agencies, including Experian, …Opinion. Case No. 1:19-cv-03451-TWP-MJD. 05-04-2021. KEVIN WOODS, Plaintiff, v. LVNV FUNDING, LLC, and RESURGENT CAPITAL SERVICES, L.P., Defendants. DISTRIBUTION: Jane Abaravich AGRUSS LAW FIRM, LLC Ravenswood Avenue, Suite 419 Chicago, Illinois 60640 Jane Claire Abaravich AGRUSS LAW FIRM, …current creditor (LVNV Funding LLC); Resurgent’s reference number for the account (705326801); the last four digits of the account number (1564); and the amount of the debt ($454.53) (Doc. 26-1, p. 13). It further stated: “Resurgent Capital Services L.P. manages the above referenced account for LVNV Funding LLC and has initiated a review of theExamples of information stored by Resurgent included items like the state court trial call order granting judgment in the matter of LVNV Funding versus Virginia M. Torres. (Id.) Resurgent had policies and procedures whereby they require lawyers and servicers to comply with all state and federal laws, and an expectation that notification of ...3. Stop Calls from LVNV Funding NOW. Before Nov. 20, 2021, you could get as many as 15 calls per day from a debt collector, according to a Consumer Credit Card Market Report. That’s way too many. That has changed. Regulation F places strict limits on collection calls.Jan 1, 2023 · Your Account Number. Click here to make an online request. Alternatively, you may submit your request to LVNV Funding LLC c/o Resurgent Capital Services, PO Box 10497, Greenville, SC 29603 or call toll-free: 1-866-453-0039. RCS will use this information to verify whether or not it has any personal information for you. Complicated Family Web: LVNV Funding, LLC Sherman Financial and Resurgent Capital On October 28, 2011, the Maryland Commission of Financial Regulation Suspended the collection agency licenses of LVNV Funding, LLC and Resurgent Capital Services. It is an excellent resource to assist in untangling the debt collection practices …According to the company’s website, LVNV Funding LLC, (“LVNV”) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP (Resurgent) to manage that debt. Resurgent may try to collect the debt from people, but most often the company will hire collection agencies to handle the day-to-day collection ...Jan 1, 2023 · Your Account Number. Click here to make an online request. Alternatively, you may submit your request to LVNV Funding LLC c/o Resurgent Capital Services, PO Box 10497, Greenville, SC 29603 or call toll-free: 1-866-453-0039. RCS will use this information to verify whether or not it has any personal information for you. While we often treat having an emergency fund as a given, it’s not something all financial experts agree on. There are some situations where it might not make sense to have an emer...What Debtors Should Know About LVNV Funding and Debt Settlement. LVNV Funding isn’t just a debt collector; it’s a debt purchaser. That means it buys up old accounts, mainly credit cards, for pennies on the dollar. Then the company goes after the debtors for the amounts it claims are owed. LVNV sometimes uses an affiliate known as Resurgent ...Aug 17, 2023 ... Once LVNV Funding, LLC has purchased a debt, they (or their collecting arm, Resurgent Capital Services) try to collect on the debt owed by ...According to the company’s website, LVNV Funding LLC, (“LVNV”) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP (Resurgent) to manage that debt. Resurgent may try to collect the debt from people, but most often the company will hire collection agencies to handle the day-to …The letter says that “Credit One Bank no longer has a financial interest in this account” and “All debt collection communications from Credit One Bank regarding this credit card ceased when the account was sold to the above-listed third-party agency.”. LVNV might be collecting for Resurgent. Message 5 of 9. 0 Kudos.LVNV and Resurgent Capital are the same company. You can settle the debts they buy, and get them deleted from your credit reports.The stage of your collectio...Need help removing LVNV FUNDING LLC. I filed a complaint with CFPB stating that LVNV is reporting inaccurate info . LVNV states they acquired the account June 15, 2018 and Resurgent is the servicer. They also state the last payment received was October 3, 2017 and the account charged off on May 6, 2018; however, I don't think …[email protected]. Dispute & Complaint Phone: 1-866-572-0262. National Legal Center negotiates with debt buyers and debt collection agencies regularly. Complete this short form to discover options to deal with a summons from LVNV Funding, LLC and any other collections account you may have. Attorney here - not providing legal advice as you are not a client - Resurgent and LVNV are debt purchasers, who routinely pay just pennies on the dollar for old debt, including “zombie debt.” They bank on pressuring people to pay with vague threats and basic intimidation. You can tell them to piss off (or use nicer terms if you prefer). LVNV is a "debt buyer that acquires or claims to acquire, among other kinds of debt, charged-off credit card accounts of consumers by virtue of assignments from account originators and intermediary debt sellers." (Dkt. 20 at ¶ 2). Resurgent is an affiliate of LVNV that is "involved in collecting its debts." (Id. at ¶ 3). Resurgent and LVNV ...🚫 DON'T PAY A DIME to LVNV until you watch this video. If they're trying to collect from you, there are ways you can get a better deal than they are offeri... LVNV Funding. Create your profile with Resurgent. Capital Services. and start taking. control of your debt. Continue to Resurgent Capital Services. Learn more about your connection to LVNV Funding. It all starts with an account that you opened. This may have been a credit card, a loan, or services. Dec 17, 2013 ... Basically, LVNV Funding buys debt, then has Resurgent try and collect on the accounts. Resurgent may then outsource the debt collection to ...We're here to help. Having a debt in collections is more common than you may realize. We're experts in this field, helping thousands of consumers each month resolve their obligations. Our goal is to make a potentially uncomfortable, discouraging process like debt collection as easy and encouraging as possible.LVNV Funding is a collection agency that sues people for debts they have purchased. Learn how to remove LVNV Funding from your credit report by sending a debt validation letter, disputing the entry, or offering to pay for delete. Follow the steps and tips from Money Staff to avoid getting into a bad situation with LVNV Funding.Nov 4, 2020 ... The Sherman Financial Group also operates LVNV Funding, another collection agency. You can contact RCS using the address below: P.O. Box ...Resurgent Acquisitions LLC then acquired Plaintiff’s loan from Security First Bank and soon transferred and assigned the loan to LVNV. 2 Resurgent has serviced the loan on behalf of LVNV, and non-party Frontline Asset Strategies has worked to collect on the loan on behalf of Resurgent.Most likely you should be able to settle the account for $1000 in multiple payments if you have the ability to do so based on your stated hardship if its negotiated right. Resurgent Capital aka LVNV Funding can be aggressive when it comes to suing people, but very flexible on settlements if its within their settlement guidelines. Good luck.LVNV Funding and Resurgent Capital Services: What You Need to Know. Recently, a company called LVNV Funding acquired a large amount of debt. This acquisition may have resulted in you being contacted by someone from LVNV or another company called Resurgent Capital Services. We know that being contacted by debt collectors can be stressful.🚫 DON'T PAY A DIME to LVNV until you watch this video. If they're trying to collect from you, there are ways you can get a better deal than they are offeri...Court Allows Class Action Against LVNV and Resurgent to Proceed. Posted on March 30, 2020. On February 28, 2020, a federal court largely rejected an attempt by LVNV Funding and Resurgent Capital Services to dismiss a putative class action filed by attorneys Kevin Abramowicz (of East End Trial Group; formerly of BCJ Law) and Mark Moynihan (of ...LVNV deletes once paid. Some collectors will delete when paid in full even if their reps say they don't. Pay. Wait 30-90 days. If not deleted, dispute until removed. I have a 100% success rate with that method. 4. Reply. Thesiswork99.LVNV Funding connects with Resurgent Capital Services (RCS) to manage its portfolio of defaulted accounts. RCS is a third-party company that specializes in …[email protected]. Dispute & Complaint Phone: 1-866-572-0262. National Legal Center negotiates with debt buyers and debt collection agencies regularly. Complete this short form to discover options to deal with a summons from LVNV Funding, LLC and any other collections account you may have.LVNV and Resurgent Capital are the same company. You can settle the debts they buy, and get them deleted from your credit reports.The stage of your collectio...
POC are factually accurate, Resurgent need not amend that proof of claim.1 The UST answered Resurgent’s complaint, asserted a counterclaim, and filed a third-party complaint against Resurgent’s affiliate, LVNV Funding, LLC. Through the counterclaim and third-party complaint, the UST asks the Court to use Rule 9011, section 105(a), or its. Heb on william cannon
French Polynesia has closed its borders to all tourists due to a resurgence of COVID-19 cases around the world. New Zealand also announced that it won’t reopen to tourism until the...LVNV Funding, LLC, CIVIL ACTION NO. 16-cv-2735, see flags on bad law, and search Casetext’s comprehensive legal database ... LVNV FUNDING, LLC and RESURGENT CAPITAL SERVICES, L.P. Court: UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA. Date published: Jul 20, 2016.Mack had a U.S. Bank credit card. After she allegedly defaulted on her account, LVNV purchased the debt. Debts purchased by LVNV are serviced by Resurgent. Resurgent engaged Frontline Asset Strategies LLC to collect on the debt. Frontline sent Mack a letter in April 2018 informing her she owed $7,179.87 and had 30 days to file a … Attorney here - not providing legal advice as you are not a client - Resurgent and LVNV are debt purchasers, who routinely pay just pennies on the dollar for old debt, including “zombie debt.” They bank on pressuring people to pay with vague threats and basic intimidation. You can tell them to piss off (or use nicer terms if you prefer). LVNV and Resurgent Capital are the same company. You can settle the debts they buy, and get them deleted from your credit reports.The stage of your collectio...We're here to help. Having a debt in collections is more common than you may realize. We're experts in this field, helping thousands of consumers each month resolve their obligations. Our goal is to make a potentially uncomfortable, discouraging process like debt collection as easy and encouraging as possible.Mack had a U.S. Bank credit card. After she allegedly defaulted on her account, LVNV purchased the debt. Debts purchased by LVNV are serviced by Resurgent. Resurgent engaged Frontline Asset Strategies LLC to collect on the debt. Frontline sent Mack a letter in April 2018 informing her she owed $7,179.87 and had 30 days to file a …LVNV and Resurgent Capital are the same company. You can settle the debts they buy, and get them deleted from your credit reports.The stage of your collectio...Resurgent works with LVNV Funding LLC, a well-known debt buyer. Resurgent is based in Greenville, South Carolina, but they collect on debt accounts from across the U.S. Here is Resurgent Capital Services contact information: Website: https://www.resurgent.com/debt-collection. Phone number: (864) 248-8700.LVNV Funding. Create your profile with Resurgent. Capital Services. and start taking. control of your debt. Continue to Resurgent Capital Services. Learn more about your connection to LVNV Funding. It all starts with an account that you opened. This may have been a credit card, a loan, or services.LVNV Funding contracts with another company called Resurgent Capital Services that’s responsible for actually collecting on the debt. That means while you may see LVNV Funding on your credit reports, if you hear from a debt collector, it’ll probably be Resurgent that contacts you. Most likely you should be able to settle the account for $1000 in multiple payments if you have the ability to do so based on your stated hardship if its negotiated right. Resurgent Capital aka LVNV Funding can be aggressive when it comes to suing people, but very flexible on settlements if its within their settlement guidelines. Good luck. Court Allows Class Action Against LVNV and Resurgent to Proceed. Posted on March 30, 2020. On February 28, 2020, a federal court largely rejected an attempt by LVNV Funding and Resurgent Capital Services to dismiss a putative class action filed by attorneys Kevin Abramowicz (of East End Trial Group; formerly of BCJ Law) and Mark Moynihan (of ...Resurgent. Capital. Services, L.P. (“Resurgent”) (collectively, “Defendants”). Plaintiff’s claims arise out of a debt said to be owed by Plaintiff in connection with a QVC, Inc. …credit grantors and debt buyers.” Resurgent ’s filing was an attempt to collect Ms. Brock’s debt on behalf of LVNV Funding, LLC, which is a purchaser of unpaid debt like Midland. Ms. Brock’s debt originated with Washington Mutual Bank, N.A., and the date of the last transaction on her account was January 2008. ThereMar 20, 2024 · LVNV Funding is a subsidiary of Resurgent Capital Services, which is a debt collection company founded in 1998. Resurgent Capital Services purchases defaulted debts from original creditors, including credit card companies, banks, and other lenders. Send a written request to the debt collector and dispute the debt. Vantage: 740. FICO: 773. I am dealing with almost the exact same situation. I received an email from Resurgent Capital Services stating that an account was purchased by LVNV Funding LLC and I owe $527.85. My credit score has only gone up over the years and is currently 803.Furthermore, Resurgent/LVNV would be required to pay your attorney fees and court costs. Please call 952-295-3935 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case at no charge to you.LVNV Funding connects with Resurgent Capital Services (RCS) to manage its portfolio of defaulted accounts. RCS is a third-party company that specializes in managing debt accounts. Sometimes, Resurgent may contact you for debt collection purposes. However, even though LVNV Funding is a legitimate company, that doesn’t mean that its debt ...Complicated Family Web: LVNV Funding, LLC Sherman Financial and Resurgent Capital On October 28, 2011, the Maryland Commission of Financial Regulation Suspended the collection agency licenses of LVNV Funding, LLC and Resurgent Capital Services. It is an excellent resource to assist in untangling the debt collection practices ….