DV or PFD on Collection that JUST went on reports???
So, I lost my job in September 2009 and cancelled my ground line phone service with AT&T. They sent me a bill for the remaining balance of $50.10 which I failed to pay. I am now getting letters from a collection agency - Southwest Credit. The collection just recently showed up on my credit report. It's only being reported by the CA, not the OC. I'm a little confused on what I should do.
Do I send a DV letter to the CA? I still have mobile service with AT&T so should I just call to see if they will accept the $50.10 that's owed? If they do accept it, will the CA be required to remove the collection from my reports?
If the OC cannot accept my payment, I know that I'll have to deal with the CA. But should I send a DV if I already know that the debt is legitimate? Or do I just send a PFD?
I searched for this but there are so many posts and so many answers that I didn't know which would be the best way to handle. Thanks in advance for your help!