I have my summary judgment tomorrow morning (yes I'm having a few at this moment); and want to say thanks first because I know on the forums I've read I was supposed to DV in the first 30 days. What I want to know is exactly WHERE is states this? I've pulled the MN AG web page as well as the FDCPA info and another one from "debtconsolidationcare" website...all state that one is required to "dispute" the debt in it's entirety or any portion thereof within the initial 30 days...this is also the same statement CAs are required to put in any collection notice.
This is what it came down to, I did "dispute" the debt, I did use the cease & desist, but this was two years ago almost; and you say not to...however the law says if I say that, they are supposed to NOT pursue further collection activity until they provide proof; AND they can notify me of any legal action they plan to take, which they did 6 months after I sent the dispute. At this time is when I requested DV; they say they don't have to...is a lot of the info on websites NOT true? NOWHERE have I been able to find it mandatory that "we consumers" have to send the DV within the initial 30 days.
Also, I just found tonight (had found it two years ago & marked it, just hadn't read it lately) that reinforces the fact that the CA/JDB is required to report to the bureau is a consumer disputes, which I did, but my CR only shows "consumer disputed" -
Another CA has changed their reporting as of last fall (added something new) and they've been paid; and since I sent them the latest notice that they ARE in violation for NOT reporting accurately, it NOW as of last week shows "submitted by subscriber" - thought that was kind of interesting...
Thanks for you input!