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.
Crown Asset Management, LLC
Also seen as: Crown Asset, CAM
A debt buyer. They bought your account from another company, so they have to prove they own it.
Velocity Investments, LLC
Also seen as: Velocity Portfolio Group, Velocity Recoveries
A debt buyer that often buys online loans. They did not make your loan, so they have to prove they own it.
Absolute Resolutions Investments, LLC
Also seen as: Absolute Resolutions Corporation, Absolute Resolutions, ARC, Razor Capital
A debt buyer. A letter from ARC means your account was sold, so they have to prove they own it.
Unifund CCR, LLC
Also seen as: Unifund, Unifund CCR Partners, Unifund Corporation
A debt buyer from Cincinnati. Their accounts are often very old, so check the date you last paid.
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.
JPMorgan Chase Bank, N.A.
Also seen as: Chase, Chase Bank, Chase Bank USA, JPMorgan Chase
The bank that gave you the card. Chase card agreements include an arbitration section, which is often the strongest move.
Bank of America, N.A.
Also seen as: Bank of America, BofA, BankAmericard
The bank that gave you the card. Newer Bank of America card agreements include an arbitration section.
Wells Fargo Bank, N.A.
Also seen as: Wells Fargo
The bank that gave you the card. Its card agreement says it won't start arbitration to collect, but you may be able to.
Barclays Bank Delaware
Also seen as: Barclays, Barclaycard, Barclays Bank
The bank behind many airline, hotel, and store cards. Its card agreements include an arbitration section.
Comenity Bank
Also seen as: Comenity Capital Bank, Comenity, Bread Financial, Alliance Data
The bank behind many store cards. Check the arbitration section, and check who is actually suing.
OneMain Financial Group, LLC
Also seen as: OneMain Financial, OneMain Finance Corporation, OneMain, Springleaf
The lender that made your personal loan. Check your loan papers for what you put up as collateral and for an arbitration section.
Is a law firm's name on your papers too?
Most companies hire a law firm to sue. The firm's name is usually in the top left corner of the first page.
Look up the law firm →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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