Let me preface this (long) post by saying that I am in IL, and IL laws require that all entities doing business here follow IL law. Additionally, collections agencies must post a bond with the Sec of State (not positive if they need to be licensed here or not, that part is confusing). Additionally, IL DV laws were changed effective Jan 1 08 to remove the 30 day requirement (correct this if I am incorrect)
Does anyone know anything about NSB? Here is the situation:
I pulled my credit report and sent DV letters CM/RRR to the 6 collections tradelines on there.