Community Leader
Epic Contributor
Posts: 25,652
Registered: ‎03-19-2007
Re: Newbie needs help.. I think I screwed up.

If you sent a DV after the debt was satisfied, no harm done.  It most likely now resides in the dumpster behind the debt collector's office.

A DV has two impacts, depending upon whether it was timely (i.e., sent without prior dunning notice, or if dunning notice was sent, within 30-days of their dunning).

If timely, it invokes a cease collection bar on them until such time as they provide the requested debt verification.

If untimely, it invokes nothing.


If the debt has been satisfied, the debt collector is no longer conducting further collection on the debt, so even if timely, they wont care.

No response required, so probably no attention given.


Just forget you sent it, and go on about your GW efforts.