Collection Law firm: Kilma Peter Daly

[cindel25]

Good Afternoon CB, long time no see 

 

I got an email from this company: Klima Peters Daly.  It's a collection law firm in Maryland. They are collecting on behalf of LVNV Funding LLC.

The original creditor: Bank of Missouri

Enter Collection/Charge off: April 2024

Maryland SOL: 3 years

 

Does anyone have any information about this company or has experiences?  I did a search which yielded no results. Thank you. 

 

[Flyingifr]

LVNV is a Junk Debt Buyer. They buy old accounts receivable for a couple of pennies on the dollar and try to collect the whole thing.

 

The Charge Off date is irrelevant. When was the last payment made to Bank of Missouri? That is when the SOL clock starts ticking.

 

Lawyer demand letters are cheap to send out. Lawyer Demand emails are even cheaper. How much are they threatening to sue over? What State do you live in? How "collectable" are you (meaning attachable assets like a job, bank account, etc).

[cindel25]

1 hour ago, Flyingifr said:

LVNV is a Junk Debt Buyer. They buy old accounts receivable for a couple of pennies on the dollar and try to collect the whole thing.

 

The Charge Off date is irrelevant. When was the last payment made to Bank of Missouri? That is when the SOL clock starts ticking.

 

Lawyer demand letters are cheap to send out. Lawyer Demand emails are even cheaper. How much are they threatening to sue over? What State do you live in? How "collectable" are you (meaning attachable assets like a job, bank account, etc).

 

Thank you! 

The last payment made was in August/September 2023.  I was laid off during that period.

They haven't threatened to sue yet.  I saw law firm and wanted to get information. 

I live in Maryland  

I was laid off (again) during the fed shutdown and recently got my job back.  I'm currently living paycheck to paycheck and playing catch up. 

Edited January 22 by cindel25

[MarvBear]

On what date will the Statute of Limitations expire?

[Flyingifr]

On 1/22/2026 at 12:27 PM, MarvBear said:

On what date will the Statute of Limitations expire?

It appears the SOL should expire in Seotember 2026.

[Flyingifr]

On 1/22/2026 at 12:27 PM, MarvBear said:

On what date will the Statute of Limitations expire?

It appears the SOL should expire in Seotember 2026.

[Flyingifr]

On 1/22/2026 at 12:27 PM, MarvBear said:

On what date will the Statute of Limitations expire?

It appears the SOL should expire in Seotember 2026.

[cindel25]

On 1/22/2026 at 12:27 PM, MarvBear said:

On what date will the Statute of Limitations expire?

 

On 1/26/2026 at 2:29 PM, Flyingifr said:

It appears the SOL should expire in Seotember 2026.

 

 

This firm filed in small claims court against me on behalf of LVNV.   I have NOT been served. 

 

According the docket, a summons was issued on last week. 

 

A resolution conference has been scheduled in July.  

 

Notes: They seems to think I am military cause under there is a Military/Servicemembers Civil Relief Act Document.

 

Any advice on what I should do to prepare myself? Thank you 

[Flyingifr]

On 1/22/2026 at 12:27 PM, MarvBear said:

On what date will the Statute of Limitations expire?

It looks like the earliest would be October 2026. I suspect the OP can stall them that long with creative stupidity.

[Flyingifr]

How much is the claim? Since the OP has already been served, the SOL technically has stopped. No problem, through creative Discovery demands it may be possible to run the Plaintiff's attorney fees far above the amount claimed.  My first Discovery demand would include the following:

 

1: Bills of Sale from the OP to all subsequent holders of the claim. Let's assume LVNV is the third, so I would demand proof of the original claim (copies of all invoices claimed as being unpaid including signed (wet or digitally) charge slips from a Zero dollar balance to current amount claimed as owed,

 

2: Sales Contracts selling this particular account from OP to Holder A, listing the this account specifically by account number and alleged debtor name, then from A to B and then from B to C.

 

3: The name, address, contact information, title and current resume of the Officer of the OP who will be called upon to testify as to the accuracy of the account while the OP had it, as well as the accounting methods and controls for accuracy in place at the time.

 

4: The name, address, contact information, title and current resume of the Officer of each and every subsequent holder of the alleged debt who will be called upon to testify as to the accuracy of the account while the OP had it, as well as the accounting methods and controls for accuracy in place at the time, as well as a listing of the training that person went through before and during the time each subsequent holder of the alleged debt went through concerning FDCPA compliance.

 

5: All internal notes, files, memoranda and other information concerning actions taken by each holder.

 

6: Certificates of Good Standing issued by the State Tax Department of each holder's State and your State for the entire period of time each holder held the alleged account.

 

Keep in mind, this paper chase is just Round 1, so label it FIRST DISCOVERY DEMAND.