Unless you live in a state that otherwise permits it, you are supposed to DV within 30 days of the first letter...........but sometimes you don't get a letter
and find it on your CR a year or so down the road and send a DV.
Unless they can prove you received something or was aware of the debt before that time........I'd bet the judge would rule in your favor.
Message Edited by sidewinder on
03-14-2008 11:26 AM