The usual purpose of sending a DV would be to invoke a cease collection bar on them until such time as they provide debt verification.
Presuming you send the DV within 30 days of their dunning notice, it woud give a temp respit from reporting of their collection if they have not yet reported.
However, I presume they have already reported, else the PFD would have had no purpose. While the cease collection bar is in effect, they are precluded from negotating on payment of the debt. So pursuit of the PFD would be in limbo.
A DV may not be in your best interest unless you want an itemized listing of the debt for purpose of challenging the legitimacy of any amounts they are attempting to collect.
Unless specifically authorized in your original account agreement wiith the OC, or there is some provsiion in your state code that permits them to collect amounts not specifically authorized in your original account agreement, they might be in violation of FDCPA 808(1).
Without an itemized listing, it is difficult to challenge specific amounts as unauthorized............
Starting Score:EQ 653, TU 612, EX 618 (pulled by Mort Broker)
