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About Kmk

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  1. Hi, I'm new here. I just received my first letter from Stenger and Stenger stating I have 30 days to validate a debt in writing. It's from an account from credit one which is now owned by LVNV in amout of $839. It appears based on my credit report that account was opened July of 2018. I have found my agreement through links provided here. I am planning to send the DV letter around the 25 day. I'm hoping just to buy time to pay it off when I get my taxes. I'm in Michigan (yes I have read the michigan board) so would Arbitation even be worth it? And what am I looking at in terms of a timeframe? Will sending a dv letter buy me enough time to end of Feburary beginning of march to hopefully have taxes back to just pay it? Thanks