OK, You DVed, Now What?
08-05-2007 09:03 PM
You sent your DV letter because you disputed all or part of the debt, you sent your letter CMRRR, you got your RRR green card back, now what?
Start a file folder, save everything you receive, and save a copy of everything you send. Save your CM receipts, RRR green cards, USPS receipts (which have the CM # on them), and put a reference line at the top of all your letters like this:
USPS CERTIFIED MAIL xxxx xxxx xxxx xxxx xxxx
Wait about 4 weeks after the CA received your DV letter, per the RRR green card, and if they haven't validated but are still calling, writing or reporting to the CRAs, then it's time to send a follow up DV letter.
Keep your follow up DV letter simple.
On <date>, your company received my letter requesting validation of a debt you claim I owe. In accordance with §809 FDCPA, you are required to either validate this debt or cease all collection efforts, including the deletion of all credit bureau reporting. Continued reporting to the credit bureaus constitutes a violation of the FDCPA.
You also want to send a written or faxed dispute to the CRAs. Keep these simple.
On <date>, <CA> received my dispute of account <account number> which they claim I owe to <OC>. They have not validated their claim in accordance with §809 FDCPA. Delete this disputed account.
With both your follow up DV letter and your CRA dispute, include a copy of your original DV letter along with a copy of all the evidence (CM receipt, RRR green card, USPS receipt). I've found with double sided copying, I can get a copy of a CM receipt, RRR green card and USPS receipt on the back of a one page DV letter. This means a single page enclosure with your written dispute or follow up DV letter.
In 4 more weeks, repeat the process.