Would this be sufficient validation?

[sheepy]

Dh went to a dentist a few days before we left for vacation for emergency. He wrote a check for $77. To cover this check we put a check in our bank account from DH's brother. His check bounced and therefore ours did too. We got home from vacation and we had a letter from the dentist that they wanted payment with in 10 days, we couldn't get it paid and about 2 months later we received a Collection letter from a law firm. I sent DV letter to law firm handling the account and they sent me back a verified affidavit of indebtedness, a copy of the bill and a copy of the bounced check. I was really only trying to buy time because I didn't have the money and still don't have quite all of it. But, I was wondering if this would be sufficient validation since they have the signed check?

Also, I received another validation from another CA that just has a copy of the bill from the anesthesiologists, I am assuming that this is not sufficient and I should send second DV?

Thank you all, I am learning a lot and maybe one day I will be able to answer questions instead of asking.

[workinninetofive]

I am by no means an expert. But, IMO I would pay it before they put it on your credit report.. I know you may not have it right now, but $77 may end up causing you a heck of a lot of trouble.. plus the dentist did do the service. If you want a break on something your bank will probably put back the NSF fee (granite doesn't happen a lot). Hope it works out

[sheepy]

I will pay it, it's not $77 though, it's more than that. Although we did think that was what we were going to have to pay. We thought that was the copay but when they sent the bill, apparently the insurance didn't pay for all of the rest. Like I said, I was just trying to buy time.

[anti-something]

i would approach the dentist and explain what happened, you thought the check was covered, you were out of town, you thought insurance was covering the rest, and try to work out a payment arrangement with them, put forward a plan you cn afford that will get it paid in a reasonable amount of time.

send the letter directly to the dentist who did the work, marked personal and confidential, and if you can afford to do so, include a check as part payment to show your willingness to resolve this issue.

[workinninetofive]

I agree, even if its say $10... just to keep them off your back and to keep them from putting it on your CRs. =)

[sjohnson]

I would pay the check. If you don't , depending on the law in your state, the dentist can press charges against you for a worthless check. You will end up having to pay court cost of around $100.00. I would contact the dentist or the law firm because they would probably let you make payments.