ferdilverdil Posted March 7, 2007 Report Share Posted March 7, 2007 I know the best time frame is within 30 days of being contacted by a CA, but is there a time limit as to when you must begin the process of requesting debt validation? Do you give up your right to do so after so long? Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted March 7, 2007 Report Share Posted March 7, 2007 Search here for "1 2 punch"Basically, you DV the CA (past 30 days, 30 weeks, doesn't matter) and then soon after dispute with the CRAs. Link to comment Share on other sites More sharing options...
divemedic Posted March 7, 2007 Report Share Posted March 7, 2007 You have 30 days from initial contact to request validation, or they essentially never have to answer with validation.If you DV after that 30 day period, you may request validation, but they may ignore it. If they choose to answer, then they are still held to the same standard as if you had been timely. Link to comment Share on other sites More sharing options...
myscoresawful Posted March 7, 2007 Report Share Posted March 7, 2007 also, if you feel that you really *don't* owe the debt, you DV, and if they ignore it, then you send them another letter informing them of your intention to sue due to them reporting inaccurate information to your credit report.That usually will get you a response. Link to comment Share on other sites More sharing options...
divemedic Posted March 8, 2007 Report Share Posted March 8, 2007 also, if you feel that you really *don't* owe the debt, you DV, and if they ignore it, then you send them another letter informing them of your intention to sue due to them reporting inaccurate information to your credit report.DV is not just some dodge to get out of paying what you owe, it is actually designed for people who DON'T owe a CA money. You cannot successfully sue someone for REPORTING inaccurate information, as that section of the FCRA has no right of private action. Link to comment Share on other sites More sharing options...
bigboyinc Posted March 8, 2007 Report Share Posted March 8, 2007 What you are trying to do is make sure that what they say you owe is accurate. If you do owe, offer to settle for less than you owe. Link to comment Share on other sites More sharing options...
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