Debt Validation

[yougoglencoco]

What is the most efficient/fast way to validate debts?  Should it be directly to the credit bureaus? Call them?  Use the dispute center? Or should you just send the validation to the companies?

I have 2 accounts with Jefferson Capital, one with Convergant Outsourcing, one with Credit Collection Services and one with Trident Asset management.

Thanks!

[gdale6]

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@yougoglencoco wrote:

What is the most efficient/fast way to validate debts?  Should it be directly to the credit bureaus? Call them?  Use the dispute center? Or should you just send the validation to the companies?

I have 2 accounts with Jefferson Capital, one with Convergant Outsourcing, one with Credit Collection Services and one with Trident Asset management.

Thanks!

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DVs only get sent to collection agencies.

[vntrsc]

Note that your right to debt validation is triggered only after receiving a collection letter containing the 30-day validation notice.   Finding an entry on your credit credit does not trigger that right.

You can send a DV request to the collection agencies, but they will not be required to either cease collection efforts or validate the debt.  

[RobertEG]

Even if your DV request is timely (meaning it is sent within the 30-day period set in their dunning notice), it only imposes a cease collection bar on the debt collector.

It does not impose any requirement that they send validation.  They can choose to never send validation, and simply cease continued collection activities until such time as they might choose to send validation.

Thus, a DV does not ensure any fast or efficient way to obtain validation.  You will be in limbo until they choose to do so, as the automatice cease collection bar imposed under FDCPA 809(b) prevents the debt collector from any negotiations regarding payment on the debt.

If the debt is clearly valid and you wish to atttempt negotiation of either a pay for deletion or a settlement for less,  then you might wish to forgo the debt validation process and move directly to negotiations.