bomtrader

Threatening to sue

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I thought I understood almost everything regarding the collections process but I guess I'm a bit confused. A CA is threatening to sue me (they keep saying I have 5 days to pay or they'll sue but never do). The account is newly charged off and is assigned to Nationwide. If they end up taking action against me, do I have any protection on account of they're still collecting after I sent a DV letter? I'm in California btw.

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