chilton1 Posted January 16, 2007 Report Share Posted January 16, 2007 I have been reading that the Dv letters must be sent within 30 days of first contact from the CA. My question is if their first written contact to me was first week on January, but they have called in the past, would my DV response to the letter be considered to be within the 30 days of contact :'> The letter starts out by saying: Dear Chilton1:Per our conservation, this is to inform you that Astra Business Services, has been retained by CAVC of Colorodao LLC to collect the above referenced account. ......If you have any questions, please call our offices TOLL FREE at 866-823-1670 and we will be happy to asssist you.Sincerely,Collections Manager*This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose*The letter mentions nothing about my having 30 days to dispute. Where does this leave me with the DV process? I am so afraid of dealing with these folks because SOL in not until nov/07. But i have to take care of this before I start school.Any help would be greatly appreciated. Link to comment Share on other sites More sharing options...
willingtocope Posted January 16, 2007 Report Share Posted January 16, 2007 Well, if you haven't DV'd them prior to this, I'd suggest you use the letter as your "first contact". It gives you a date to begin the 30 day clock, and, unless they were recording, you could start with "In response to your letter of blah-blah, I don't know what you're talking about. Prove to me you got the right person..., etc."Might not work, but if you haven't got money to give them, its worth a shot. Link to comment Share on other sites More sharing options...
chilton1 Posted January 16, 2007 Author Report Share Posted January 16, 2007 Thanks Willing, I will include "I have never had a conversation with Astra Business." Boy i am in the fast lane to hell Link to comment Share on other sites More sharing options...
willingtocope Posted January 16, 2007 Report Share Posted January 16, 2007 Boy i am in the fast lane to hell Nah...you'd have to do something worse than messing with a CA's mind to get to hell, I'm sure.Did you start out thinking "hey, I'm going take their money, and never pay them back"? If you did, then maybe...but, if you just had some bad luck, or things got away from you (like the rest of us), well, stuff happens. What's legal, what's right, and what's moral are just not the same things. Link to comment Share on other sites More sharing options...
IHateCAs Posted January 16, 2007 Report Share Posted January 16, 2007 Ugh...I'll probably be explaining this difference until I'm 90.You don't have to DV within 30 days of first contact. The CA MUST send you a written notice of your validation rights within 5 days of initial communication regarding the debt.After RECEIPT of said notice, they must receive your written dispute within 30 days. Link to comment Share on other sites More sharing options...
chilton1 Posted January 16, 2007 Author Report Share Posted January 16, 2007 Ugh...I'll probably be explaining this difference until I'm 90.You don't have to DV within 30 days of first contact. The CA MUST send you a written notice of your validation rights within 5 days of initial communication regarding the debt.After RECEIPT of said notice, they must receive your written dispute within 30 days.thanks I hateCA sorry you had to do it again. Much appreciated. Link to comment Share on other sites More sharing options...
johnransom Posted January 23, 2007 Report Share Posted January 23, 2007 Ugh...I'll probably be explaining this difference until I'm 90.You don't have to DV within 30 days of first contact. The CA MUST send you a written notice of your validation rights within 5 days of initial communication regarding the debt.After RECEIPT of said notice, they must receive your written dispute within 30 days.Not that this should deter chilton1 from sending the DV, but doesn't he/she already have them on a violation for failure to properly state validation rights? Link to comment Share on other sites More sharing options...
tracemb14 Posted January 30, 2007 Report Share Posted January 30, 2007 Ugh...I'll probably be explaining this difference until I'm 90.You don't have to DV within 30 days of first contact. The CA MUST send you a written notice of your validation rights within 5 days of initial communication regarding the debt.After RECEIPT of said notice, they must receive your written dispute within 30 days.So the rude phone call I received last night from a company I have NEVER heard (not on my CR either) has 5 days to write me (I requested this 4 times while on the phone) and then I have 30 days to duspute? Do I address their rude behavior?In Texas Link to comment Share on other sites More sharing options...
IHateCAs Posted January 30, 2007 Report Share Posted January 30, 2007 So the rude phone call I received last night from a company I have NEVER heard (not on my CR either) has 5 days to write me (I requested this 4 times while on the phone) and then I have 30 days to duspute? Do I address their rude behavior?In TexasYes. They have 5 days to send a letter out from the date of that phone call. After you receive that letter which contains your verification rights, they must receive your written dispute in 30 days. So assuming they mailed it 5 days out and it took 5 days to reach you, your dispute clock starts 10 days from the time of that phone call. Link to comment Share on other sites More sharing options...
divemedic Posted January 30, 2007 Report Share Posted January 30, 2007 As a side note, nearly every CA claims that they sent the miranda letter 31 days before you sent your DV, that way they can avoid validation. Link to comment Share on other sites More sharing options...
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