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In this tutorial, Michael Bovee from Consumer Recovery Network discusses when to negotiate a settlement with debt buyers like LVNV, Resurgent Capital, and Sherman Acquisitions. These companies acquire the legal rights to collect on unpaid bills. Unlike other debt buyers, LVNV does not typically handle debt resolution directly; instead, you will need to work with the collection agencies that LVNV sells the debt to. It's important to understand the process and your options when dealing with debt buyers like LVNV.