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PFD then a letter from a "facilitator"

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jordanmedical
Established Contributor

PFD then a letter from a "facilitator"

So I PFD'd a recent collection recently and also just recently, a few days after, rec'd a letter from a law office handling the collectors account (don't know if collection agency rec'd PFD yet, it was sent out April 17th). The law office letter says the client (collection agency) placed account with them for review and counsel. This letter also seems to be a dunning bc it goves me 30 days to respnd to request validation. This letter was sent 4/11/12 to my last addy and got forwarded to me. What should I do?
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Message 1 of 5
4 REPLIES 4
llecs
Moderator Emeritus

Re: PFD then a letter from a "facilitator"

Mail a DV to the new CA.

 

Wait on the response of the other CA.

Message 2 of 5
RobertEG
Legendary Contributor

Re: PFD then a letter from a "facilitator"

Yes, you can DV the law office, as they apparently concede to being a debt collector by sending you dunning notice.

 

Whether you want to or should DV them is not absolute.  It depends on what you are trying to do.

You sent a PFD, which a letter offering to negotiate the debt.  The law office responded as an agent of the debt collector.

If you send them a DV, you automatically, based on the cease collection bar it imposes, preclude the law office from continuing their collection activities until such time as they provide verification.  Is that what you want to do, since their role might facilitate the negotiations that you initiated?

 

Its not black and white.  If the debt is not contested, a DV might do more harm than good.

Message 3 of 5
jordanmedical
Established Contributor

Re: PFD then a letter from a "facilitator"

My concern is that I already sent a PFD to the first collection service (American Accounts) that the law firm is claiming to represent. Does that mean they can't respond to my PFD?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 4 of 5
RobertEG
Legendary Contributor

Re: PFD then a letter from a "facilitator"

If they still own the debt, they can legally negotiate its payment.

Having hired someone else to do it for them, they may just not want the hassle.  The only way to find out is to try.

Message 5 of 5
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