""Do you have anything written from the OC indicating that the account is PIF?""
What is OC? However what ever it means I have recived no letter from them, or any other company regarding this matter!
"Others have told you to verify the debt with the CA. You could certainly do that. You could also send them an Intent To Sue (ITS) since they have already broken the law twice."
What does CA mean? collection agenecy? I think I should do so. Is there any template for such letters? I have no idea about law for such things.
