You got served with an LVNV Funding lawsuit. Your first instinct might be to panic or ignore it. Don’t do either. Most LVNV Funding lawsuits are beatable in 2026.
This debt buyer relies on you not showing up. They count on default judgments. When you fight back with the right strategy, their case often collapses. You might even walk away with money in your pocket.
I’ve tracked debt buyer litigation for over a decade. The rules in 2026 are different than they were two years ago. Courts now demand better evidence. Consumers have stronger counterclaim options. This guide walks you through every step.
You’ll learn how to file an answer that doesn’t admit liability. How to force LVNV to prove they actually own your debt. How to use arbitration clauses to kill the lawsuit outright. And how to get a payout if LVNV broke the law. Let’s get into it.
What Is an LVNV Funding Lawsuit in 2026?
An LVNV Funding lawsuit is a civil collection action. A debt buyer who purchased old charged-off consumer debt from original creditors files it. LVNV Funding LLC does not originate loans. It buys defaulted credit card, personal loan, and auto deficiency debt for pennies on the dollar. Then it sues consumers for the full balance plus interest and fees.
The company operates under the Sherman Financial Group umbrella. Resurgent Capital Services handles its servicing and collections. LVNV files hundreds of thousands of these suits every year nationwide. In 2026, it remains one of the most litigious debt buyers in the United States.
The typical LVNV lawsuit alleges two things. First, breach of contract. Second, account stated. Both require proof. The company often files with minimal documentation attached. A one-page affidavit from a custodian of records who has no personal knowledge of the original account. A generic bill of sale that doesn’t reference your specific account. Maybe a credit card statement from years ago.
This is your opening. Debt buyer lawsuits are won and lost on evidence. LVNV must prove every element: the existence of a valid contract, its ownership of the debt, the amount owed, and your obligation to pay. The company frequently stumbles on the second element. Proving chain of title is hard when debt portfolios are sold in bulk spreadsheets. In 2026, courts are increasingly skeptical of robo-signed affidavits and generic assignment documents.
Key Takeaway: LVNV Funding is a debt buyer, not a bank. It must prove it owns your specific debt. That proof is often weak or nonexistent.
How to Beat LVNV Funding in Court This Year
Beating LVNV Funding in court in 2026 comes down to three words: demand strict proof. Do not assume the debt is valid. Do not assume LVNV has the paperwork. Debt buyers win most cases by default, not on the merits. When you force them to prove their case, many dismiss voluntarily rather than spend money litigating.
The playbook has four core strategies. First, file a proper answer denying all allegations. Second, challenge standing through a chain of title attack. Third, file a motion to compel private arbitration if the original cardholder agreement has an arbitration clause. Fourth, assert FDCPA counterclaims if LVNV’s conduct violated federal law.
Timing matters. You typically have 20 to 30 days from service to file your answer depending on your state and court. Count calendar days, not business days. Missing this deadline means a default judgment. Once that judgment is entered, LVNV can garnish wages, levy bank accounts, and place liens on real property. The window to fight cleanly closes fast.
The 2026 landscape has shifted in favor of consumers in several circuits. Recent appellate rulings have tightened the evidentiary standard for debt buyer affidavits. A business records affidavit must now demonstrate the affiant’s personal knowledge of the original creditor’s record-keeping practices. Not just LVNV’s post-purchase system. This is a major hurdle for debt buyers who have no relationship with the original bank.
| Core Defense Strategy | What It Does | Success Rate in Contested Cases |
|---|---|---|
| Proper Answer with Denials | Preserves rights, avoids default, forces proof | Foundational step for all defenses |
| Chain of Title Challenge | Attacks LVNV’s standing to sue | High; often leads to dismissal |
| Motion to Compel Arbitration | Moves case out of court into expensive private forum | Very high; LVNV often dismisses |
| FDCPA Counterclaim | Flips the script; you become the plaintiff seeking damages | Moderate to high with documented violations |
How to File an Answer to an LVNV Summons in 2026
Filing an answer is your first and most urgent step. The answer is a legal document responding to each numbered paragraph in LVNV’s complaint. You have a short deadline. Missing it means LVNV wins automatically. That is exactly what they want.
Your answer should deny every allegation except your name and address if those are correct. Deny the existence of the debt. Deny that LVNV owns the debt. Deny that you owe the amount stated. If a paragraph contains information you cannot verify, state that you lack sufficient knowledge and therefore deny it. This forces LVNV to prove every single element.
You must also raise affirmative defenses. These are legal reasons why LVNV should not win even if the debt existed. Include the statute of limitations if the debt is old. Include lack of standing. Include failure to state a claim. Include the arbitration clause if one exists. In 2026, an increasingly powerful defense is challenging the affidavit as hearsay under your state’s version of Federal Rule of Evidence 803(6).
File the answer with the clerk of the court listed on the summons. Pay the filing fee or request a fee waiver if you qualify financially. Serve a copy on LVNV’s attorney by mail with a certificate of service. Keep proof of filing and service. This creates a record that you responded properly.
Do not admit anything. Do not offer a payment plan in the answer. Do not explain your circumstances. The answer is not the place for your story. It is a procedural document designed to preserve your rights and shift the burden of proof to LVNV. Period.
| Answer Component | Purpose | Deadline |
|---|---|---|
| General Denial | Disputes every claim | 20 to 30 days from service |
| Specific Denials | Targets individual paragraphs | Same as general denial |
| Affirmative Defenses | Raises legal bars to recovery | Must be in initial answer |
| Certificate of Service | Proves plaintiff’s attorney received copy | Filed with answer |
Challenging LVNV Funding Evidence in a Debt Lawsuit
LVNV Funding evidence is often terrible. That’s not an opinion. It’s an observation drawn from thousands of cases. The company typically submits a generic bill of sale, a spreadsheet excerpt with your name and a dollar figure, and a boilerplate affidavit from a Resurgent Capital employee. None of this may be admissible at trial.
Your challenge focuses on two main arguments. The first is hearsay. The second is lack of foundation. The affidavit is hearsay if the affiant lacks personal knowledge of the original creditor’s records. The documents are hearsay if they are not properly authenticated as business records. In 2026, many trial judges are more willing to sustain these objections than they were five years ago.
Hit the affidavit hard. Does the affiant state they are familiar with the original creditor’s record-keeping systems? No? Then they cannot lay the foundation for business records from a different company. Do the attached account statements match the amount sued for? Often they do not. Is your name misspelled? Is the account number redacted? Every inconsistency chips away at LVNV’s credibility.
The bill of sale is usually worthless. It references a bulk purchase of thousands of accounts. It does not list your name, account number, or specific debt. It proves LVNV bought some debt from some bank on some date. It does not prove LVNV bought your debt. This is the chain of title gap that you exploit.
How the Chain of Title Defense Forces Dismissals
A chain of title defense attacks LVNV Funding’s standing to sue you. Standing means the plaintiff has a concrete stake in the case. If LVNV cannot prove it owns your specific debt, it has no right to collect from you. The case must be dismissed.
Debt portfolios pass through multiple hands. An original creditor like Credit One Bank charges off an account. It sells a portfolio of charged-off accounts to a debt buyer. That debt buyer might sell to another. Eventually LVNV Funding acquires the portfolio. Each transfer requires a valid assignment document specifically identifying your account.
LVNV often cannot produce the full chain of documents. They might have the bill of sale from the previous debt buyer to themselves. But they often lack the original creditor’s sale records. Or the intermediate transfers. Every missing link is a standing problem. In 2026, demanding the complete chain of title during discovery is one of the most effective defense tactics available.
Here is what you request: every bill of sale and assignment agreement for every transfer of the alleged debt from the original creditor to LVNV Funding. Every spreadsheet or data file identifying your account in each transfer. The underwriting and purchase agreements showing what warranties were made about the accuracy of the accounts. The schedule or exhibit that specifically lists your name and account. If LVNV cannot produce these, move for summary judgment on standing. Many judges will grant it.
Filing a Motion to Compel Arbitration Against LVNV
A motion to compel arbitration is a nuclear option. Most credit card agreements contain binding arbitration clauses. These clauses survive charge-off and transfer. LVNV steps into the shoes of the original creditor. That means LVNV inherits the arbitration clause too.
You find the original cardholder agreement. Look for the arbitration provision. It will typically name JAMS or the American Arbitration Association as the forum. It will state that either party can elect arbitration. It will say the creditor pays the arbitration fees. Those fees are substantial. JAMS consumer arbitration can cost the company thousands of dollars just to initiate.
File a motion to compel arbitration with the court. Attach the cardholder agreement. Argue that LVNV is bound by the clause as the assignee. Ask the court to stay the lawsuit pending arbitration. When the court grants the motion, LVNV faces a choice. Pay the arbitration fees and proceed in a private forum. Or dismiss the case.
Most of the time, LVNV dismisses the case. The economics do not work for them. They paid pennies for your debt. Spending thousands on arbitration fees to collect a few thousand dollars is bad business. They walk away. Some consumers even negotiate a mutual dismissal with prejudice and a deletion of the trade line from their credit report in exchange for waiving the arbitration. That is a clean win.
Key Takeaway: Arbitration clauses are consumer weapons. LVNV inherits the clause but hates paying the fees. Use this leverage to force a dismissal.
What Is the Average LVNV Funding Settlement Amount?
The average LVNV Funding settlement amount in a contested case ranges from zero dollars paid to roughly 30 to 50 percent of the alleged balance. Many cases settle for mutual walkaway dismissals with no money changing hands. That’s the goal. When you have strong defenses, you should not pay LVNV a cent.
If you do choose to settle for cash, the negotiation framework is straightforward. LVNV paid roughly 2 to 7 cents on the dollar for your debt. Anything above that is profit for them. An offer of 15 to 25 percent of the alleged balance is economically rational for both sides. But settlement only makes sense if you want to avoid the time investment of litigation and have the cash available.
Lump sum settlements get better terms than payment plans. LVNV knows payment plans break down. A lump sum offer of 20 percent often beats a 50 percent payment plan offer in their eyes. Always demand a written settlement agreement. It must include a release of all claims. It must state that the account is settled in full and no balance remains. It must include a dismissal with prejudice. It should address credit reporting if that matters to you.
Here is the settlement range I have observed in 2026 practice:
| Settlement Type | Typical Range | Who It Works For |
|---|---|---|
| Mutual Walkaway Dismissal | $0 paid | Strong defense cases |
| Lump Sum Settlement | 15% to 30% of balance | Consumers with cash wanting quick resolution |
| Payment Plan | 30% to 50% of balance | Higher total cost, less favorable |
| Post-Judgment Settlement | 50% to 70% of balance | Weaker negotiating position |
What Payout Can You Expect From an LVNV Lawsuit?
Wait, can you actually get money from an LVNV lawsuit? Yes. If LVNV Funding or its attorneys violated the Fair Debt Collection Practices Act, you become the plaintiff. You sue them. They pay you. This is not theoretical. It happens regularly.
The FDCPA allows statutory damages of up to $1,000 per lawsuit. That’s not per violation. That’s per case. But wait. Actual damages and emotional distress damages can increase the total. Attorney’s fees are also recoverable. A consumer who files an FDCPA counterclaim with documented violations can expect a payout ranging from $1,000 to $5,000 in total resolution value when fees are included.
Some common FDCPA violations by LVNV Funding in 2026 include suing on time-barred debt, filing false affidavits, misrepresenting the amount owed, contacting you after you have an attorney, and threatening actions they cannot legally take. Each of these is a potential counterclaim. The strategy shifts from defense to offense.
Class action payouts also exist. LVNV Funding has been the subject of multiple class action settlements for systemic violations. In recent years, settlement funds have ranged from a few million dollars to tens of millions. Individual class member payouts are usually modest. A hundred dollars or so. But the existence of these suits puts pressure on LVNV to resolve individual FDCPA claims quickly and quietly.
| FDCPA Violation | Statutory Damage Cap | Typical Settlement Range |
|---|---|---|
| Suing on time-barred debt | $1,000 statutory max | $1,000 to $2,500 |
| False affidavit or robo-signing | $1,000 statutory max | $1,500 to $5,000 |
| Harassment after attorney representation | $1,000 statutory max | $1,000 to $3,000 |
| Misrepresenting debt amount or status | $1,000 statutory max | $1,000 to $2,000 |
FDCPA Counterclaim Damages Against Debt Buyers
FDCPA counterclaim damages are a powerful tool. When LVNV sues you and you have evidence they broke the law, you file a counterclaim. The case transforms from a debt collection action into a federal consumer protection case. LVNV’s posture changes instantly.
The statute allows actual damages, statutory damages up to $1,000, and reasonable attorney’s fees. Actual damages include out-of-pocket losses, emotional distress, and reputational harm. Statutory damages are awarded at the court’s discretion. The judge considers the frequency and persistence of the violation, the nature of the violation, and whether it was intentional.
The real money is often in the attorney’s fees provision. Consumer attorneys take FDCPA cases on contingency. The law requires the debt collector to pay the consumer’s attorney’s fees if the consumer wins. A straightforward FDCPA counterclaim can generate $3,000 to $8,000 in recoverable fees. LVNV knows this. That is why FDCPA counterclaims drive settlements.
Document everything. Save every letter. Record calls if your state allows one-party consent. Take screenshots of credit report entries. Note dates and times of all communications. This documentation is your leverage. When you can prove an FDCPA violation with hard evidence, LVNV’s attorney will almost certainly engage in settlement discussions rather than litigate the counterclaim through trial.
Removing an LVNV Funding Default Judgment
A default judgment is not the end of the road. It feels final. It is not. If LVNV obtained a default judgment against you, you can file a motion to vacate. The grounds matter. Common grounds in 2026 include improper service of process, lack of personal jurisdiction, excusable neglect, and fraud or misrepresentation by LVNV.
Improper service is the strongest ground. Many debt buyers rely on sewer service. That is the practice of claiming they served you when they actually did not. The process server says they left the papers at your address. Maybe they did not. Maybe you moved years ago. If you were not properly served, the judgment is void. A void judgment can be vacated at any time.
Timing is critical for other grounds. Most states require you to file the motion to vacate within a reasonable time after discovering the judgment. Reasonable time is often interpreted as 30 days to 6 months. Do not wait a year. Act as soon as you find out about the judgment.
File the motion with the same court that entered the judgment. Attach an affidavit explaining why you did not answer the original complaint. Include any evidence of improper service. Include your proposed answer to the original complaint. Showing you have a meritorious defense strengthens your motion. A judge wants to decide cases on the merits, not on procedural defaults.
How to Vacate an LVNV Default Judgment in 2026
Vacating an LVNV default judgment in 2026 follows specific state procedural rules. The motion is called different things in different states. Motion to set aside default judgment. Motion to vacate. Motion for relief from judgment. The substance is the same. You ask the court to undo the judgment and let you defend the case.
The burden of proof is on you. You must show both a valid reason for the default and a potentially valid defense to the underlying claim. The second part is often the key. Attach your proposed answer with denials and affirmative defenses. Show the court that LVNV’s case has weaknesses. Chain of title problems. Hearsay affidavits. Expired statute of limitations.
Here is the standard vacatur checklist for 2026:
- Confirm the judgment exists and the date it was entered
- Determine if service of process was legally proper
- Draft a motion to vacate citing your state’s specific rule (e.g., Rule 60(b) or state equivalent)
- Attach an affidavit from you explaining the default
- Attach your proposed answer with defenses
- File with the clerk and serve LVNV’s attorney
- Request a hearing date
- Prepare to argue both the procedural default excuse and your substantive defense
If the motion is granted, the judgment is undone. The case goes back to the beginning. You get to file your answer and litigate the case properly. If the motion is denied, you can appeal. Appellate courts review denial of vacatur motions more closely than many other trial court decisions.
Stopping an LVNV Wage Garnishment Fast
An LVNV wage garnishment is an active collection of a money judgment. LVNV obtained a judgment against you. Likely by default. Now they are taking money directly from your paycheck. You need to stop it immediately.
The fastest method is filing a claim of exemption. Most states allow you to protect a certain amount of wages from garnishment. Federal law protects 75 percent of disposable earnings or 30 times the federal minimum wage, whichever is greater. Some states provide broader protections. Head of household exemptions are common. If you support dependents, you may be able to exempt all wages.
File the exemption claim with the court that issued the garnishment order. You must do this quickly. Garnishments happen fast. The employer withholds money from each paycheck. That money sits in a registry pending the outcome of any exemption hearing. Getting the exemption filed pauses further withholding.
Simultaneously, move to vacate the underlying judgment. Stopping the garnishment is a temporary fix. Vacating the judgment solves the problem permanently. The two-pronged approach works. Stop the bleeding with an exemption claim. Cure the disease by vacating the default judgment. In 2026, many legal aid organizations and pro bono clinics help consumers with exactly this sequence.
| Action | Effect | Timeline |
|---|---|---|
| Claim of Exemption | Stops or reduces wage withholding | Must file within days of garnishment notice |
| Motion to Vacate | Undoes the underlying judgment | 1 to 3 months for hearing |
| Bankruptcy Filing | Automatic stay stops all collection | Immediate upon filing |
| Negotiated Payoff | Stops further garnishment upon agreed payment | Variable |
Negotiating an LVNV Debt Settlement Before Court
Negotiating with LVNV before court requires a clear head and zero desperation. Never make the first offer based on the full balance. The balance LVNV claims is inflated. It includes interest, late fees, and collection costs piled on by a company that paid pennies for the debt. Your opening offer should reflect that reality.
Start at 10 percent of the alleged balance. Yes, 10 percent. This is not insulting. It is economically rational given what LVNV paid. Expect them to counter at 70 or 80 percent. Hold firm at 15 to 20 percent. Remind them of your defenses. Mention you have already drafted your answer and motion to compel arbitration. LVNV’s attorney evaluates the case’s collectability and risk. A case with defenses and a responsive defendant is worth far less than a default judgment case.
Always negotiate in writing or on recorded calls where legal. Get every offer and counteroffer documented. When you reach an agreement, demand a written settlement agreement before sending any money. The agreement must contain these exact elements: the specific account number, a statement that the debt is fully satisfied, a release of all claims against you, a dismissal of the lawsuit with prejudice, and a term addressing credit reporting.
Never give LVNV electronic access to your bank account. Pay by cashier’s check or money order sent by certified mail. Keep the receipt and the delivery confirmation. File the notice of settlement and stipulation of dismissal with the court. Follow up to confirm the dismissal is actually entered. LVNV’s attorney may sit on the paperwork. You need to bird-dog this until it’s done.
Key Takeaway: Negotiate from strength. Your defenses give you leverage. A 20 percent lump sum offer beats any post-judgment collection result LVNV could achieve.
FDCPA Violations by LVNV Funding in 2026
FDCPA violations by LVNV Funding remain common in 2026. The company’s business model involves high-volume debt collection litigation. Volume operations produce errors. Errors produce FDCPA liability. Knowing the most common violations helps you identify whether you have a counterclaim.
Suing on time-barred debt is a major violation. Every state has a statute of limitations for debt collection lawsuits. Typically 3 to 6 years for credit card debt depending on state law. If LVNV sues you after the limitations period expired, that’s an FDCPA violation. Filing a lawsuit to collect a debt the collector knows is time-barred is unlawful. This is a strict liability provision in many circuits.
Misrepresenting the amount or legal status of the debt is another frequent violation. LVNV may add interest or fees not authorized by the original contract. They may claim the debt is a certain amount when their own records show a different number. Each inaccurate statement in a collection pleading or letter is a potential violation.
Filing false affidavits is the most serious common violation. A Resurgent Capital employee signs an affidavit swearing to facts about the original creditor’s records. But they have no personal knowledge of those records. The affidavit was likely generated automatically and signed in a batch. This is robo-signing. Courts have sanctioned LVNV and its attorneys for this conduct. It forms the basis of a strong FDCPA counterclaim.
Suing LVNV for Statutory Damages Under Federal Law
Suing LVNV for statutory damages turns the tables completely. You file a complaint in federal court or state court alleging FDCPA violations. You become the plaintiff. LVNV becomes the defendant. The relief you seek is money damages and attorney’s fees.
Statutory damages are capped at $1,000 per proceeding. That’s the baseline. But do not overlook actual damages. If LVNV’s conduct caused you emotional distress, you can claim compensation for that harm. Lost wages from time spent dealing with the violation. Medical expenses for stress-related treatment. Damage to your credit reputation. These amounts can multiply your recovery.
The most powerful element of an FDCPA claim is the fee-shifting provision. The statute says the court shall award reasonable attorney’s fees and costs to a prevailing consumer. This means your attorney gets paid by LVNV, not by you. Consumer attorneys know this. They will evaluate your case for free and take it on contingency if the violations are clear and well-documented.
Filing the suit requires precision. You must allege specific violations with supporting facts. Identify the exact provision of the FDCPA violated. Attach the offending letter, pleading, or affidavit as an exhibit. File within the one-year statute of limitations for FDCPA claims. The clock starts from the date of the violation, not the date you discovered it. Time matters.
| FDCPA Claim Element | Requirement | Limitation |
|---|---|---|
| Violation of 15 U.S.C. 1692 | Specific prohibited conduct | Must allege with particularity |
| Statutory Damages | Up to $1,000 per proceeding | Additional actual damages possible |
| Attorney’s Fees | Mandatory fee shift to defendant | Court awards reasonable fees |
| Statute of Limitations | File within 1 year of violation | Strict; not from discovery date |
LVNV Funding Lawsuit Timeline in 2026
An LVNV Funding lawsuit in 2026 typically spans 3 to 12 months from service to resolution. The exact timeline depends on whether you fight back and what defenses you assert. Default judgment cases resolve in weeks. Contested cases can stretch over a year if they go to trial.
The first phase is the pleading stage. You get served. You have 20 to 30 days to file an answer. If you file an answer with strong defenses and a motion to compel arbitration, LVNV’s attorney often requests a 30 to 60 day continuance to review the response. This is a good sign. It means they did not expect a fight.
Discovery follows if the case continues. Interrogatories, requests for production, and requests for admissions fly back and forth. You demand the chain of title documents. LVNV demands your financial records. This phase lasts 60 to 90 days typically. Motions practice eats up another 30 to 60 days. Summary judgment motions are common.
If the case survives summary judgment, trial is set. Most courts schedule debt collection trials within 3 to 6 months of the close of discovery. But very few cases actually reach trial. The overwhelming majority resolve by voluntary dismissal, summary judgment, or settlement before a trial date arrives.
- Day 1 to 30: Service of summons and complaint; deadline to answer
- Day 30 to 60: LVNV reviews answer; settlement discussions may begin
- Day 60 to 120: Discovery phase; exchange of documents and interrogatories
- Day 120 to 180: Dispositive motions; summary judgment filed
- Day 180 to 270: Trial setting if case survives; settlement intensifies
- Day 270 to 365: Trial or final resolution; judgment or dismissal entered
Key Takeaway: A contested LVNV lawsuit takes 6 to 12 months. Every month you fight is another month LVNV spends money. The economics tilt in your favor the longer you hold out with valid defenses.
Frequently Asked Questions
Can LVNV Funding actually prove I owe the debt?
LVNV Funding often struggles to prove ownership of individual debts. They rely on generic bills of sale that do not name specific accounts. If you challenge their evidence with a proper answer and discovery requests, many LVNV lawsuits are voluntarily dismissed.
What happens if I ignore an LVNV Funding lawsuit?
If you ignore an LVNV lawsuit, the court will enter a default judgment against you. LVNV can then garnish your wages, levy your bank accounts, and place liens on your property. Ignoring the lawsuit is the single most expensive mistake you can make.
How much should I offer to settle with LVNV Funding?
A reasonable settlement offer is 15 to 25 percent of the alleged balance paid as a lump sum. LVNV pays pennies on the dollar for these debts. A lump sum offer in this range is profitable for them and avoids the cost of continued litigation.
Can I get money if LVNV Funding violated my rights?
Yes, you can receive statutory damages of up to $1,000 per FDCPA violation. Your attorney’s fees are also recoverable from LVNV. If you have documented proof of violations like suing on time-barred debt or filing false affidavits, total settlements often reach $3,000 to $5,000.
How long does an LVNV lawsuit take from start to finish?
An LVNV lawsuit takes 3 months if you default, 6 to 9 months if you settle early, and 9 to 12 months if you litigate through trial. A motion to compel arbitration can end the case in 2 to 4 months when LVNV dismisses rather than pay the filing fees.
You have more power than you think. LVNV Funding’s business model depends on defaults and fear. When you answer the lawsuit and force them to prove their case, the math flips. Their evidence is often weak. Their witnesses have no personal knowledge. Their chain of title documents are generic and incomplete.
The strategies in this guide work. File a proper answer. Challenge standing. Move to compel arbitration. Assert FDCPA counterclaims if you have violations. These are not theoretical. Consumers use them every day in 2026 to beat debt buyer lawsuits.
Do not wait. The clock is ticking from the moment you are served. File your answer. Demand proof. Make LVNV spend money chasing you. Most of the time, they will decide you are not worth the trouble. That is a win. Sometimes you even get a check.
