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if 30 days have expired since receiving initial letter of debt, is it now too late to ask for the verification?

You can always ask for a validation, however, the CA can still continue collection efforts (calls, reporting on CRA, etc.)

Sub: #1 posted on Wed, 09/03/2008 - 11:10

desperatelyseekingsanity desperatelyseekingsanity

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However, in the DV letter, you can ask them to cease and desist from calling.

Sub: #2 posted on Wed, 09/03/2008 - 12:05


Actually, I think it would be best to ask them to cease and desist contact in a separate letter, so it doesn't get lost in the validation letter. That would be my route anyway. :)

Sub: #3 posted on Wed, 09/03/2008 - 12:30

Shazzers Shazzers
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The templates on this site have a combined DV/C&D letter...just fyi Shazzers. On the collections board under useful links.

Sub: #4 posted on Wed, 09/03/2008 - 14:59


Actually...its the sticky "list of resources".

Sub: #5 posted on Wed, 09/03/2008 - 15:00


If it has been more than 30 days and you want to force them to validate then you can send a DV letter to the collection agency and a dispute letter to the CRAs. This is a great tactic especially if the debt is past the SOL. If it is past the SOL I would send a full C&D letter also.

Sub: #6 posted on Fri, 09/05/2008 - 10:45

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