topic Re: Mistake- PFD before DV in General Credit Topics

Mistake- PFD before DV

Anonymous — Mon, 03 Mar 2008 22:44:52 GMT

It seems i have made a mistake. I sent a CA (AFNI) a PFD first instead of a DV.

If I dont hear from the PFD I sent;

Do they still have to respond to a DV within 30 days?

and

Is PFD an aknoldegement of debt or payment (reseting SOL)?

Chuck TransUnion 578/Equifax 575/ Experian 512

Re: Mistake- PFD before DV

Anonymous — Mon, 03 Mar 2008 22:46:20 GMT

If you used the PFD letter from here it specifically states that you deny/dispute the debt - and SOL is not re-set with either a DV or PFD.

Re: Mistake- PFD before DV

Anonymous — Mon, 03 Mar 2008 22:50:36 GMT

even though i sent a PFD, do they still have to comply with the 30 days to resond for a DV?

Re: Mistake- PFD before DV

Anonymous — Mon, 03 Mar 2008 23:11:38 GMT

Yes.

Re: Mistake- PFD before DV

Anonymous — Tue, 04 Mar 2008 01:02:53 GMT

If you used the PFD here, towards the bottom it says:

Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.

I can only assume that it says within 15 days so you still have time to DV within the 30 days of "learning of the debt".