Looking for some help

[Anonymous]

I am trying to repair my husbands credit and he has several unpaid collections. 2 are medical and one is from an employer. I plan to sent out DV letters tomorrow to the CA. These collections are a couple years old. I heard that the CA is not required to validate if you do not dispute within the first 30 days that they initially notified you. Is this correct? If so, is there a point in fighting them to validate? Thank you in advance my Fico Friends

[moondog7324]

As a general rule in order to request a timely debt validation it has to be within 30 days of tthe dunning letter. ( Texas, I believehas more consumer friendly laws that allow DV anytime). For your medical collections- do a search on HIPPA method on this forum. A few questions:

1) How old are the debts, and which State do you live in are they still within SOL?

2) Has the collection agencies been agressive in attempting to collect?

3) Can you afford to pay them?

4) Are they reporting on credit reports? 

[Anonymous]

Thank you for your reply.

Yes they are all showing on the credit reports. They are about 3 years old or so and the CA quite being aggressive after about a year. We have not heard from them but we want to clean things up. I do have the funds to pay them. I live in Indiana where the SOL I believe is 10 years.

My plan is (correct me if wrong....) is to send a DV to the CA's.

If they do not validate I planned on filing a complaint with the "big 3"  and showing them my paper trail and the CA not validating

If the CA does validate, I planned on trying a PFD

The medical collections are unpaid so I didnt think I could do the Hipaa route. 

Thank you so much for replying. Your advise is gold to me and so appreciated.