Epic Contributor
Posts: 23,446
Registered: ‎03-19-2007
Re: new debt

If you wish to obtain verification of the debt and impose a cease collection bar on the debt collector, then lack of dunning notice is actually and advantage.


Any DV request will impose a cease collection bar on the debt collector if sent prior to dunning notice, or within 30 days of receipt of dunning notice.

You do not have to wait for dunning notice to send a DV.


However, part of the decision as to whether to send a DV is whether you wish to begin active negotiations with them, such as a pay for delete (PFD) offer.

While under a cease collection bar, they cannot conduct negotiations.


What are your plans for addressing the actual debt?  Challenge its validity, get CR deletion, wait for CR exclusion, or just satisfy the debt?

They involve very different scenarios.