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What happens after the 30 days?


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Sure, you can DV them any time after the 30 days.

how ever, they are not bound by the same rules after that initial 30 days.

I am a little foggy on what changes, but these are a few of the things I have read on this board regarding your question.

1. I've read that they do not have to cease collection calls to you.

2. I've read that they in fact, do not have to respond to the DV letter at all. (if it is sent after the initial 30 days contact).

I hope you disputed with the CRA as well after sending out the DV letters. This way if they verify with the CRA, when in fact they have no way of validating the debt, then they are in violation.

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