Glad you brought that up Robert.  I too have seen that many times the creditors have labled DVs, GWs and PFDs as disputes rather than what they are intended for.  I'm not sure what the practicality is for this, but there must be something to it.  So yes, I agree that you should be careful with your wording, even then it still might be flagged for dispute, but maybe a percentage of them could be prevented.

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