Bill, I say, don't be mad b/c you didn't get a PFD to get the debts removed from your CR. If you are stupid enough to pay a CA, just b/c they say that you owe a debt, then that's you. Do you know how many CAs will try to collect thousands of dollars on a debt that is a) past SOL , b) that they bought for pennies on the dollar c) that started out at a fraction of what they are attempting to collect? The purpose of a DV is to ask the CA, who are they to collect from me. If they don't have the right (can't validate) they don't get paid.
You're a small business owner, as am I. If I send you an invoice tomorrow, are you going to pay it? Of course not, as you didn't contract anything with me. Same concept doc. Before you get judgmental of posters, please bother to understand what is behind the post. Perhaps it was from a messy divorce or the death of a spouse or an accident that debilitated them for a period of time.
This is a rather positive forum and you don't have the right to come in and rain on anyone's parade. And to call us thieves--you are out of line. Get off of your self-righteous soapbox. But that's what happens when you fly off half-cocked--you make a mess of everything.