No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Is is ok to email debt validation letters? I'm prepared to mail but came accros the dispute email address for the CA, Portfolio Recovery Associates, LLC.
FDCPA 809(b) explicitly requires that a DV must be "in writing" in order to impose the provisions of the statute.
If your DV is clearly not timely, then it does not matter, as it does not impose any provision of section 809(b) even if in writing.
Email does not generally constitute valid notice unless: (a) you can prove that the person actually got it and read it, typically because they have admitted to it or responded to your email, (b) you have agreed with them in advance that emailing them qualifies as notice, or (c) less commonly, there is a statute on point that says that email notice is okay.
It's a poor form of notice, because lots of email gets deleted, lost in people's spam filters, bounces, etc. Incidentally, certified mail suffers many of the same deficiencies. There is no law that says, universally, that certified mail is adequate notice.
I would advise sending via snali mail, using Certified Mail, Return Receipt Requested (CMRRR) if you wish assurance of their written receipt as proof of timeliness.