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I sent a CA a very detailed DV letter.
All I got back was a letter from the OC stating:
Dear XXXXX,
Thanks for your correspondence, we believe all charges are accurate (sent the past 3-4 bills).
Please pay this balance due to avoid further collection efforts.
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Nothing from the CA (the letter WAS mailed to the CA, and the return address was the CA).
I sent a letter asking for things like proof they are allowed to collect in my state, proof the debt has not expired, etc.
All they sent was a copy from the OC with a few bills basically saying "pay up".
It is proper validation. They went to the source and the CA got records and sent them to you.
They do not have to provide any of the other things you asked for.
So what is the big hullabaloo that everyone makes about spending seven bucks and sending them a lenghty letter CMRR when all they do is send you a few copies of bills?
I could of done that myself, I have the bills the OC sent me.
I thought the DV letter was supposed to be nothing short of a novella that is supposed to cause an alarm (figurative) to go off and have every worker including the janitor finding all the info they need to fufill the requests or face not having to collect?
Generally it's for a debt that might be so old that they don't remember it, or it is incorrect some how. It isn't meant for legitimate debts when you're aware of what you owe and why. If you had the bills right there, you had no reason to get the debt validated. It isn't a get out of jail (er debt) free tool. It's a way to determine that the debt, and balance is actually yours and correct.
@FixMyCredit1992 wrote:So what is the big hullabaloo that everyone makes about spending seven bucks and sending them a lenghty letter CMRR when all they do is send you a few copies of bills?
I could of done that myself, I have the bills the OC sent me.
I thought the DV letter was supposed to be nothing short of a novella that is supposed to cause an alarm (figurative) to go off and have every worker including the janitor finding all the info they need to fufill the requests or face not having to collect?
Not sure what made you think that.
A DV letter, per the FDCPA, simply says you ask who is currently collecting, the amount, and if you specifically ask for, the name and address of the OC and an itemization of the debt.
The purpose of a DV is to make sure you owe the debt and they have not dunned the wrong person. It also puts a cease collections bar on them until they validate.
Your state laws may require more than the federal DV. Such as TX Finance Code is a much stronger tool than the FDCPA DV.
Your best options right now are probably trying to get a pay for delete. How recent are your baddies and in what amounts?
A creditor isn't going to approve you for more debt if you can't resolve the current ones you have... especially if they are small.
DV are meant for legitimate debts. You can ask for validation of any portion of the debt.