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If I have not heard from a CA in quite a while do I have to wait for a new letter to DV them so it will be within the 30 day legal dispute limit?

Also does sending a dv restart the statute of limitations?

Thanks,

Michael




Have you already received a dunning letter? If so, you won't receive another one, the thirty day window begins only with the first letter, and no, requesting a DV is not admitting or denying you owe a debt, it is requesting proof, so it doesn't start the clock again on the statues, as far as I know. :)

Sub: #1 posted on Tue, 07/29/2008 - 00:14

Shazzers Shazzers
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Quote:
Also does sending a dv restart the statute of limitations?


No it doesn't . As long as you don`t send them any money or make any promise to pay you are ok.

Sub: #2 posted on Tue, 07/29/2008 - 00:15

mobile0311 mobile0311
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Unless you live in TX, your DV will be un-timely. They do not have to cease collection efforts nor do they have to provide validation. If you are still w/in SOL and the debt is significant, it might be best to let sleeping dogs lie.

Sub: #3 posted on Tue, 07/29/2008 - 00:57

NASCAR_Devil NASCAR_Devil
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What do you mean the DV will be un-timely. I sent them one DV letter and they sent a letter saying there looking into the info and that i should call to discuss the issue with the debt. As if i need to discus how im going to pay it. So im going to send another DV letter. Well i thought. I know you where referring junk msg but your saying dont waste time with it. Just let it drop off. But mine has until 2011 to drop off and it's not even my account. This will be the second DV letter, i using the sample letter provided on this site. I guess after this i wil have to send one to the CB.

MIDLAND CREDTI MGMT INC #


8875 AERO DR STE 2
SAN DIEGO , CA 92123
(800) 265-8825

Balance: $584 Date Updated: 06/2008 Original Balance: $584 Original Creditor: SOUTHWESTERN BELL D B A AT T Past Due: >$584Collection AccountPlaced for collection

Sub: #4 posted on Tue, 07/29/2008 - 06:18

CplusE2ent CplusE2ent

(Posts: 47 | Credits: 11.52)

When was their initial communication (dunning letter) sent? Did you send a DV w/in 30 days of their initial dunning letter? Your initial post hinted that you had heard from them in the past. How did they contact you and when?

Sub: #5 posted on Tue, 07/29/2008 - 07:13

NASCAR_Devil NASCAR_Devil
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(Posts: 4665 | Credits: 308.23)

I sent the DV letter, then about a week or two later i received the dunning letter. Well first time i even heard of midland was seeing them on my credit report, so i send DV letter and now im in progress of sending another DV letter after getting the dunning letter a week ago.

Sub: #6 posted on Tue, 07/29/2008 - 07:26

CplusE2ent CplusE2ent

(Posts: 47 | Credits: 11.52)

What do they show as the date opened on your CR's? Is it a recent addition?

Sub: #7 posted on Tue, 07/29/2008 - 07:44

NASCAR_Devil NASCAR_Devil
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8875 AERO DR STE 2
SAN DIEGO , CA 92123
(800) 265-8825

Balance: $584 Date Updated: 06/2008 Original Balance: $584 Original Creditor: SOUTHWESTERN BELL D B A AT T Past Due: >$584Collection AccountPlaced for collection

Sub: #8 posted on Tue, 07/29/2008 - 09:07

Unregistered


Your DV would be deemed un-timely 2 years after the TL ws reported. If SOL for your state has expired, then I would suggest that you send a follow up DV CMRRR. Track it thru the USPS website and when they show to have received it, dispute the TL with the CRA's. If they verify the TL before providing validation, then it is a violation. It may be enough to force the deletion. I would not recommend this if you are still w/in SOL.

Sub: #9 posted on Tue, 07/29/2008 - 09:17

NASCAR_Devil NASCAR_Devil
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Ok i will try that. Im in TX so i should be ok.

Sub: #10 posted on Tue, 07/29/2008 - 09:43

Unregistered


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