Debt buyers
These companies bought your account from the original bank. They have to prove they actually own it, and that is often where their case breaks down.
Midland Credit Management, Inc.
Also seen as: Midland Funding LLC, Encore Capital Group
One of the largest debt buyers in the country. They bought your account, they did not lend you the money.
Portfolio Recovery Associates, LLC
Also seen as: PRA Group, Portfolio Recovery
A large debt buyer. Like other buyers, they have to prove they actually own your account.
LVNV Funding LLC
Also seen as: Resurgent Capital Services, Sherman Financial Group
A debt buyer whose accounts are usually serviced by Resurgent Capital Services.
Cavalry SPV I, LLC
Also seen as: Cavalry Portfolio Services
A debt buyer that purchases charged-off consumer accounts.
Jefferson Capital Systems, LLC
A debt buyer that acquires charged-off accounts and sues on them.
Original creditors
These are the banks that opened your account. Ownership usually is not in dispute, so the arbitration clause and the amount claimed matter more.
American Express National Bank
Also seen as: Amex
The original creditor. Ownership isn't the weak point here, the arbitration clause usually is.
Discover Bank
An original creditor that sues on its own accounts. Check the arbitration clause.
Capital One, N.A.
An original creditor. Look at the agreement terms and the amount claimed.
Synchrony Bank
Issues store and retail cards. Accounts are sometimes sold, so check who is actually suing.
Citibank, N.A.
An original creditor whose agreements typically include an arbitration clause.
Don't see the name on your paperwork?
The process is the same whoever is suing. Start with the Answer, it's what stops them from winning automatically.
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