I fought LVNV Funding and their attorneys (Lloyd & McDaniel) every step of the way. Trial was on 2/17/26. The morning of trial, I was blindsided with a new substitute judge and wasn’t told until about 20 minutes before the hearing, even though I was already at the courthouse. Then the plaintiff brought in a witness I had never been notified about, and the court allowed it after they claimed the witness “was the plaintiff.”
I laid out every flaw in their evidence. The Bill of Sale and the Declaration of Account Transfer referenced different receivables file names and file types, and the document that was supposed to match the Bill of Sale wasn’t even included. The dates didn’t make sense—the Bill of Sale was supposedly closed months before the signatures were dated. The bank’s signature was illegible with no proof of who signed it and was not authenticated by any first hand witness. They never produced the Forward Flow Agreement, and their own description of it didn’t apply to my account because it only covered future charge‑offs; mine had been charged off a year earlier.
My credit report even shows Barclays reported selling the account to Portfolio Recovery Associates—not LVNV—and on a date before the Bill of Sale LVNV relied on was signed. Even the receivables file they used had a blank transfer date next to my name.
The judge admitted that if this were a criminal case, I had created enough doubt to win. But under the civil standard, he still ruled against me based on bank statements, a Barclays letter claiming the sale was to Resurgent LLC, a Bill of Sale, and a Declaration of Account Transfer.
After months of fighting pro se, I resigned myself to the $18k judgment. But now, five days before the appeal deadline, they’ve hit me with a motion demanding $20k in attorney fees.
I’m exhausted and overwhelmed. What do I even do at this point?