Consumer Files Multi-Count Debt Collection Suit Against Eltman Law, Navient, VL Funding

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Eltman Law, P.C., Navient Solutions, LLC and VL Funding, LLC have been named in a proposed class action that accuses the defendants of sending consumers misleading collection letters. The plaintiff in the case supposedly received a collection notice from Eltman on behalf of Navient and VL Funding that was written on the law firm’s letterhead and signed by an attorney. The lawsuit alleges that no attorney had reviewed the details of the plaintiff’s case and that the letter falsely threatened legal action that the defendants never intended to take.

The case takes further issue with the letter’s identification of the original creditor, claiming “Navient Federal Loan Trust” doesn’t actually exist and that the loan was not “related to the Federal government in any way.”

Furthermore, the suit argues that the defendants never properly notified the plaintiff that the debt had been assigned to VL Funding – an entity the case claims is not authorized to do business in New York.

The lawsuit was originally filed in the Supreme Court of the State of New York and has since been removed to federal court.