Rapid City, SD residents: know your rights against LVNV Funding. South Dakota residents: check your state's statute of limitations and wage garnishment protections before paying any debt collector.
Common LVNV Funding Violations
Collecting debt they cannot validate
Misrepresenting the amount owed
Re-aging accounts on credit reports
Rapid City Dispute Tips vs LVNV Funding
LVNV is a debt buyer — demand proof of assignment chain
Never make a partial payment — it can restart the SOL in some states
Dispute directly with credit bureaus citing FCRA § 611