Do I need to send DVR letters for GC services in TX and IL?

You don't need to, but you can just to cover all your bases. Basically, you should send the DV letter to the office that has contacted you.

Hi stenogirl5,

You should also send the dispute to the credit reporting agency(ies) on whose report(s) this alleged debt may show up. Go to AnnualCreditReport.com to get your free yearly copy if you haven't already done so.

Be careful, GC Services are horrible.

chrys

Well, if you really want to go on the warpath and fight this company every step of the way, then hold off on disputing with the CRA's until after you have gotten the receipts back from your DV letters to the CA. That way, if they verify and update with the CRAs they have just violated 3 times (if it is done with all 3) due to continued collection activity.

This is known as a 'one-two punch'. It gives you some negotiating power if you have a CA hounding you and they have violated. You could end up suing THEM.

Thanks Chrys and Goldenbast - I am definitely going to do that after I get the receipts back from the DV letters to the CA. How long after receiving the receipts should I wait before getting my credit reports and possibly disputing?