So I got a call from Dynamic Recovery Solutions just now, and I want to make sure I proceed correctly, so I don't screw something up. I just, last month got all the collections off of my report (in total 5 differnt ones and it took almost a year), so I'm kind of freaking out a little bit. To my knowledge I don't have any unpaid debts in the last 7 years other than the collections that I just paid off or got deleted.
I called the number and she wanted me to verify my name and last 4 of my social, which I refused. I asked her to send me something in writing since I wouldn't verify and she asked for my address. I told her she should have that on file and she got really snotty and hung up on me and said to call back when I was willing to work with her so she could tell me what she had, "pending."
Anyways, so I'm thinking that I should send a DV. Can you confirm this? My main objective is to keep anything collections off of my report and if it's something I do actually owe, I don't mind paying it. I have a suspicion though that DRC is kind of a bottom feeder trying to collect a zombie debt from 7+ years ago based on some other posts on this forum about them. Also, why wouldn't they have just issued a tradeline on my report if I really do owe them?
@guiness56 wrote:Yes, send a DV. Ask for the name and address of the OC and an itemization of the debt.
OK, will do. And since this stops collection activity until they provide a dunning, does that mean they can't report it either? These are the guys that like to ding your CR with HPs apparently, so basically this is no good. It's never ending it seems.
@guiness56 wrote:It stops collection activity until they validate, not send a dunning notice.
As long as they receive the DV before they try to report, then no they could not. However, they can report anytime between now and then,
Ok, about to print out the DV and head to the post office. Aside from my name and address, should I include any other information in the DV? Here's what I have so far:
My Name
Address
City, st zip
Dynamic Recovery Solutions
Address
City, st, zip
I received a call from your call center claiming I owe a debt. Under FDCPA 809, send me validation of this debt including:
1) The name of the original creditor
2) The address of the original creditor
3) An itemized list of the debt
And final question hopefully, worth it to try and overnight it to them to stop any potential reporting?
Thanks for all of your help!
So it's been a little over a month since I made this thread. I actually sent them DV (signed for on the 18th of Sept. ) and they never responded. However, today I got another call from them. I'd like to sue them since they are clearly just ignoring the law (not to mention they are trying to collect a 6-7 year old debt). Any suggestions on what type of lawyer, or even better if someone can PM me the name of someone they've used.
Thanks in advance!
@RobertEG wrote:I would draft a formal complaint addressed to the CFPB, with the issue being their clear violation of FDCPA 809(b) by continuing collection activities after receipt of your DV.
Include a statement that it was sent prior to receipt of any dunning notice, along with a copy of your mailing receipt, and was thus timely.
Include, at the bottom of the complaint, "cc: (name of debt collector)" and send a copy of the complaint to the debt collector.
It will inform them now of your complaint and knowledge of your rights.
Let them justify their violation to the CFPB.
I actually like this idea better, thanks.