Written by:  Joeziel Vazquez CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) 17 Years Experience Published:  Nov 5th, 2025 Reading Time:   Approx. 18-22 minutes It begins with a sinking feeling. You’re reviewing your credit report, a ritual of modern financial life, and there it is: LVNV Funding LLC. The name is sterile, corporate, and utterly confusing. It’s not a credit card you remember. It’s not a store account you opened. It’s a ghost from your financial past

The Third Circuit just sanctioned two attorneys for manufacturing FDCPA violations through fake dispute letters. CEO Joey Vazquez-Davila breaks down Sofaly v. Portfolio Recovery Associates and what every credit repair company must know to avoid similar consequences.

Discover how to remove collection accounts from your credit report using consumer protection laws like FCRA and FDCPA.

Learn about the concerning unethical practices of CCS Collections, including allegations of harassment and refusal to validate debts. Unders

Gain a comprehensive understanding of CCS Collection Company and your rights as a consumer. Learn about the legal protections provided by th