Dumb DV and PFD question from a newbie

[Anonymous]

Message Edited by bosie76nyc on 02-15-2008 03:59 PM

[tryingtogetitrightnow]

I have a pretty similar situation with an account that is NOT my responsibility, but I do just want to get it off my account. So, I sent them a PFD a week ago and still haven't received anything back from them in the mail. If they don't respond within a month then I'll go the route of DV, etc.

[Anonymous]

I would suggest that you work ONLY with the hospital/dr.office, IF the account is still owned by them. If indeed the account has been sold to the CA, then you have to work with the CA.

You need to determine firstly who exactly owns the account.

As DV's scare me(I'm not sure when to use them under what circumstances), I'd suggest to do a PFD. I was successful in having 3 collections deleted from my CR's by negotiating ONLY with the OC. They were hospital collections from trip to ER for my daughter.

That's my opinion. Get the opinions from others though, before you do anything.

[Anonymous]

A DV is YOUR LEGAL RIGHT!

The purpose of 'I dispute the validity of this debt' is to protect you -- you are not refusing to pay only that you don't agree with what they are reporting and want evidence that what they claim is accurate.  This will be 'tested' because the OC (by accident I think) sent me a copy of a letter from the CA saying I refuse to pay when I DV'd.  This is one of my complaints against the CA with the AG and FTC - they also asked if the OC wanted to sue (let's see... they haven't even validated as of this point).

The letters are not written in stone - they are guidelines.  If they have validated the debt (and you accept their assertions) then take the line out of the PFD (personally, I wouuld not because w/o it it could be 'assumed' to be taking responsibility which can reset SOL in some states) - change to I dispute the amount, extraneous fees, etc... DISPUTE SOMETHING to protect yourself.

Message Edited by Lady_Scarlet on 02-13-2008 12:35 PM