gbe Posted April 11, 2007 Report Share Posted April 11, 2007 ERC claims to have sent multiple letters (including the "initial" contact letter) to an old address of mine. Since I have not lived there in 3.5 years, I of course never received any of them.My simple question is: can ERC claim that I have no right to DV since they've sent out multiple communications in the past, and that the 30 day period to dispute the validity of the debt has run? Or do I still have the right to DV and stop their collection efforts until they verify?If I cannot DV any longer, I'll just send a C&D as the debt is out of SOL, but I am curious as to what exactly this debt is all about. Link to comment Share on other sites More sharing options...
thomassl Posted April 11, 2007 Report Share Posted April 11, 2007 How did you hear from ERC? You can always dispute information on your credit report which will automatically initiate a required response from the CA. Link to comment Share on other sites More sharing options...
gbe Posted April 11, 2007 Author Report Share Posted April 11, 2007 I started receiving phone messages last week from them, and yesterday decided to pick up the phone when they called. I asked the lady to please send me something in the mail illustrating the debt, and she told me that they'd sent many things to me in the past. I'm just curious if the past mailings (if they exist at all) to the wrong address count as the initial contact letter. Link to comment Share on other sites More sharing options...
kevin3344 Posted April 11, 2007 Report Share Posted April 11, 2007 (edited) DV them.________Live sex Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
gbe Posted April 11, 2007 Author Report Share Posted April 11, 2007 I plan to DV them, but will they be forced to halt collection efforts pending validation? From reading this site, it seems that only a DV sent within the first 30 days of contact will prevent a CA from collecting until they respond to the DV. A DV sent after the 30 day window merely forces the CA to report the debt as disputed, but they can continue with their collection efforts. If that is the case here, then I'd almost prefer to C&D them to get them to stop calling... Link to comment Share on other sites More sharing options...
kevin3344 Posted April 11, 2007 Report Share Posted April 11, 2007 (edited) Absolutely. DV them with a C&D included at the bottom.If I cannot DV any longer, I'll just send a C&D as the debt is out of SOL, but I am curious as to what exactly this debt is all about. You can always DV. I've gotten rid of NCO, AFNI, Park Dansan and more from DVs 1-2 years AFTER they appeared on my reports, mostly from the sample letter on this site. Like most of us, I started my credit repair efforts after the fact.________VAPORGENIE Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
serenity06 Posted April 11, 2007 Report Share Posted April 11, 2007 kevin3344: I can not seem to get rid of AFNI. So tell me what you did? Link to comment Share on other sites More sharing options...
kevin3344 Posted April 11, 2007 Report Share Posted April 11, 2007 (edited) It was a simple DV. They said I owed Sprint $60, but my cell phone service was through Sprint, and I haven't had a land line in years...so how could I owe them? Anyway, all it took was one DV and they removed from all 3 CRAs.All but one of my COs were taken care of by way of DV; the last one I got the BBB involved and they removed. All told I think 4-5 COs were removed. Keep in mind all of them had been on my report for years and kept coming back 'verified' whenever I disputed via the CRAs (which I feel is a waste of time, obviously!).________buy condo Pattaya Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
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