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I find it hard to believe that 3 different collection agencies I have been dealing with have violated the FDCPA. I was hoping for some advice in this situation.

I sent Capital Management a DV/limited CD letter. They wrote back to acknowledge reciept of letter, and told me "they are in the process of getting records from OC". I got another letter from them today, they are asking for "Only 40% to settle debt".

Did they try to get the records, and couldnt? Thats why they are only asking for 40%?

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