My wife has a GE Money Bank account that should be about 120 days past due on. She got a letter from Encore Receivables back in February. We sent a DV letter and what we got back was a letter from GE asking what my dispute was. Then 8 days later we get a collection letter from Zwicker & Ass. stating it was not a threat but for us to call them. Its getting close to the 30 days i have to respond. Should I send them a DV or just call and try to negotiate?? Also, we have several CCs, we stoped paying 5 of them because of my job loss, we are able to keep the others current.


