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[MUSIC] Hi there. Michael Bovee with Consumer Recovery Network Work and thanks for tuning to our YouTube channel Debt Bytes Today. I'm gonna cover when you need to negotiate or come up with some kind of settlement with a debt buyer by the name of LVNV, or Resurgent Capital, also Sherman Acquisitions. These are all one in the same for all intents and purposes, as far as you're concerned when you're negotiating a deal. So they're a debt buyer, they pick up the legal rights to collect on a bill that you didn't pay. There are different types of debt buyers. And on this channel, I have covered some of the largest in the nation. LVN is pretty big. They're not like other debt buyers. The larger ones like PRA or Midland where those guys buy up debt and then they use their own internal collection resources. Most of the debts that LVNV picks up you can't necessarily call them and resolve the debt with them. You have to go and deal with the collection agencies that the purchaser, in this case LV...