Case Information
- Filing Date: April 7, 2025
- Court: U.S. District Court for the District of Oregon
- Plaintiff: Michael Jordan
- Defendant: LVNV Funding LLC
Allegations at a Glance
Michael Jordan has filed a lawsuit against LVNV Funding LLC, alleging that the company violated federal and state laws through the use of misleading and unlawful debt collection tactics. According to the complaint, LVNV attempted to collect a time-barred debt stemming from a 2007 credit card account that had been inactive since 2008. Jordan asserts that LVNV failed to disclose in its collection letter that the statute of limitations had expired on the debt, making legal enforcement impossible.
He claims that LVNV’s letter could mislead consumers into paying debts they are not legally obligated to repay. Moreover, he alleges that the letter failed to clearly state that a payment would revive the expired statute of limitations, thereby potentially reactivating the debt. Jordan asserts that this approach exploits consumer confusion and is part of a broader pattern used by LVNV and its agents.
Key Allegations
- LVNV attempted to collect a debt that is over 15 years old and time-barred under Oregon law.
- The collection letter did not inform Jordan that the debt was legally unenforceable.
- The letter failed to disclose that making a payment could revive the statute of limitations.
- LVNV’s practices could mislead consumers into believing they are required to pay or could be sued.
- LVNV purchases and attempts to collect on large portfolios of aged, uncollectible debts.
Legal Claims
- ✅ Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.
- ✅ Oregon Unlawful Debt Collection Practices Act (OUDCPA), ORS 646.639 et seq.
Relief Sought
- 💰 Statutory damages under the FDCPA
- 💰 Statutory and actual damages under the OUDCPA
- 💰 Attorneys’ fees and costs
- 💰 Any further relief deemed proper by the court
The Bottom Line
This lawsuit highlights concerns over debt collectors pursuing expired debts without proper disclosures. Consumers should be cautious when receiving collection letters on old accounts, especially those dating back over a decade, and should be aware of their rights regarding time-barred debts.
Legal Disclaimer
All claims in this summary are based on allegations in the complaint. These allegations have not been proven in court. Lawsuits may be dismissed, settled, or otherwise resolved without judgment against the defendant.
✅ Fact Check Summary: All factual claims in this post, including the timeline, alleged conduct, legal claims, and damages sought, are accurately drawn from the original complaint. No information has been added beyond what was stated in the lawsuit.
📄 File Name: gov.uscourts.ord.185600.1.0_1.pdf
👥 Parties: Michael Jordan (Plaintiff), LVNV Funding LLC (Defendant)
📍 For the current status of this case, visit: https://www.courtlistener.com/docket/69856001/jordan-v-lvnv-funding-llc/
