David,thanks so much for the helpfull info! If you remember i have been dealing with them for months,they still haven't validated. Of course in my follow up letter to DV,I told them they had broken numerous fdcpa reg,rude,abusive,threatining,giving my info to a third party(wells fargo) and calling me during the DV process,maybe that't why i haven't heard from them. I was still thinking of sending a payment proposal to them,but maybe I should wait.Oh,by the way,If I am not mistaken,I believe that Phillip-Cowen is also associated with them,at least that's what they said. I was passed from LVNV to Resurgent,to Phillips-Cowen.Thanks for the great stuff
...Karen