Er, um, uh...
"In my experience, take it as you will, the majority of people who have requested DV had no intentions of paying back financial obligations they legally owed. This causes a logical conclusion to be drawn [with a collector] that someone requesting a DV is possibly trying to avoid paying a debt."
Actually...no. You are making a false assumption based on any number of basic logical fallacies. No offense, but please don't pretend that you're exercising basic logic. You may be trying to get ahead on potential paperwork, but you are proceeding fallaciously (using guilt by association, for starters). I would leave the lawyering to the attorneys.
http://www.nizkor.org/features/fallacies/
Starting Score: 550