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ericks798
Joined: 23 Feb 2010
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Posts: 22
543 Magic Points
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Subject: 30 Days After DV Letters
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Tue Mar 02, 2010 8:42 pm
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So, I've sent several DV letter to CA. I've received receipt that letters have been received.
Once 30 days has passed? What do I do?
I think I'm suppose to dispute the account with someone and show proof that DV letter were sent?
Please advise what should be done next? how? when? and where?
Thanks so much for everyones assistance. Everyone on this site is so knowledgeable and helpful.
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Quote" Your biggest Fear should not be failing, it should be NOT TRYING"-unknown |
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fireyone
Joined: 26 Feb 2008
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Posts: 4285
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Wed Mar 03, 2010 2:12 am
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Hello and welcome. After a bill collection company does not respond to your letters and you have the proof to show you requested debt validation then you may dispute the markings on your credit report with the credit reporting agencies like equifax and experian.
You can dispute online or by mail. If you do so online you need to just visit one of the credit reporting agencies. Hope this helped. |
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Aaron
Joined: 08 Feb 2010
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Posts: 2675
48566 Magic Points
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Subject: debt validation letter
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Wed Mar 03, 2010 6:04 am
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Hi Ericks,
The collection agency (CA), is not supposed to send the validation of your debt within 30 days of your debt validation letter. There is no such rule under the Fair Debt Collection Practices Act (FDCPA). FDCPA only mentions that the debtor is supposed to send a debt validation request within 30 days of the first collection notice. If the debtor fails to send it within the 30 days time, it will be considered that he/she really owes the debt.
You can thus, wait for a few more days. If they don't reply, you can try the debt validation for a second time. If this time too, they fail to validate, you can directly dispute the items with the credit bureaus.
Hope this helps.
Regards,
Aaron
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cinnamngrl
Joined: 01 Nov 2008
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ericks798
Joined: 23 Feb 2010
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Posts: 22
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Sun Mar 07, 2010 3:49 pm
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So, cinnamngrl
It is a CA that is listed on my credit report. If they don't respond after 30 days. I just need to contact the credit beaurs, and advise them that I've contact the CA to validate a debt, its been 30 days and they have not responded?
What will happen once the credit bears look into the same debt that has not been validdate? If its not validated by then will it be removed?
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Quote" Your biggest Fear should not be failing, it should be NOT TRYING"-unknown |
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cinnamngrl
Joined: 01 Nov 2008
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Posts: 1455
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Sun Mar 07, 2010 4:54 pm
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You need to WRITE the CRAs CMRRR and cite Method of Validation. You will confront them on the fact that you have written to the CA without the response. Send a copy of your green card from the certified mail. Say how can you verify this when the tradeline owner does not respond to my letters?
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fireyone
Joined: 26 Feb 2008
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Tue Mar 09, 2010 4:00 pm
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| I was under the impression they had 60 days by law to validate. This was told to me by my state atty generals office. I am not doubting you I just can not believe he passed this information onto me and it was incorrect. Could it very by state? |
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cinnamngrl
Joined: 01 Nov 2008
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Posts: 1455
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Tue Mar 09, 2010 11:58 pm
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There is no time limit to respond to a DV letter. What the federal law states is that all collection activity must cease until they respond to your DV letter, that includes reporting the tradeline.
if they had fully followed the law they would have sent a dunning letter within 5 days of the first call, that would advise you of your rights.
Because they screwed around and listed this on your CRAs without telling you, you need to use the MOV to force the CRAs to remove it.
Send the MOV to CRA
When you get the green card, collect your records and report this to the AG.
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CMRRR Templates
How to PFD, OPT-out, Complain, etc
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ericks798
Joined: 23 Feb 2010
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Posts: 22
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Mon Mar 15, 2010 4:32 am
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Cinnamngrl,
Thanks SOOO much for your feedback. The abbrevation are a little confusing.
Is there an example of the letter that I need to send to the CRAs?
after the 30 days has passed?
What kind of letter actually is it that I need to send?
Let me know. Thanks
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Quote" Your biggest Fear should not be failing, it should be NOT TRYING"-unknown |
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cinnamngrl
Joined: 01 Nov 2008
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Posts: 1455
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