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Please advise on Step 2 DV letters - What's next?


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Okay, I listened to you guys and did my first round of DVs.

The first is an unpaid debt for $50, that I'll probably just pay if they agree to delete.

Either way, per your suggestion, I requested the following information:

What the money you say I owe is for;

Explain and show me how you calculated what I owe;

Provide me with copies of any papers that I agreed to pay what you say I owe;

Provide a verification or copy of any judgment, if applicable;

Identify the original creditor;

Prove that the Statute of Limitations has not expired on this account;

Show me that you are licensed to collect in my state;

Provide me with your license numbers and Registered Agent

In response, the CA sent me a copy of my bill from the OC, as well as a letter requesting my balance and their hours of operation.

Where do I go from here?


The second response is for a paid collection, and instead of providing the above information, the company just sent me an acknowledgment that I had paid off the account.


Please advise as how I best handle these items. I'm learning every step of the way, and enjoy passing on what I've learned to others.


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Hey Divemedic,

Thanks for responding. I'm still kind of new around here, but after posting I realized that there is a Debt Validation link at the top of the page.

I basically DV'd both the paid and unpaid. The unpaid one is only 50 bucks, so I told them that if they could prove it was mine, I would work to resolve the matter amicably.

As for the paid one, I did a DV without calling it a DV. I asked for confirmation that they had the authority to collect the money that I had already paid them. IF they can't prove it, it's my understanding that it's got to be deleted, as they are posting information to my credit report that they can't back up!

What do you think?

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I'm getting interesting responses from my DVs.

The first one, I received a letter saying that they will remove the item.

The second one, I received a copy of my original bill (only).

The third one, the firm called me and said that they wanted to explain the process to me.

How about that third one! He sounded like a nice and reasonable guy (which in my experience is unusual), but I don't think that I should return the call.

Thanks for the input.

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