Guys please 🙏 be aware of Midland and Lvnv funding they will sue you ! If you have these accounts reporting on your credit I encourage you to get into the debt collection discharge program sweeping accounts like these will often push them to sue you faster

Quick reality check: stop underestimating debt collectors—they will sue you. This situation involves a client I repeatedly advised for months to make one simple phone call so we could intervene and work toward discharging the debt. Unfortunately, they felt too busy to prioritize it. The outcome? A lawsuit that was completely preventable. I genuinely hate seeing this happen, especially when early action would have changed the trajectory. But the lesson here is non-negotiable: if you don’t make time to address a problem, you inherit the consequences that come with ignoring it. Debt collectors are not an entity to test, delay, or gamble with. They will escalate—every time. The real question is whether you’re willing to accept the risk, or whether you’re going to handle it before it handles you.

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