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Should I still send out 1st DV Ltrs??


jkbowen1021
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I am sending out my first DV Ltrs today, but I have a question. The acct's that I am sending them for are all pretty old accounts. All Med bills from the same CA. (6 diff acct #'S). When I first rec'd a ltr from them, it states 30 days in order to dispute. I have not gotten anything from them in over a year. Was wondering if that could hurt me. Should I still go ahead and send out DV ltrs??? And I guess that I should add that back in Feb. I sent them a settlement ltr with a PFD and never got anywhere with that. They told me that the Doc's would not take any type of settlement (which I find very hard to believe) These people are about 85% of mine and my dH CR and I REALLY want them off. I am thinking that I really messed this one up and I am stuck with these a**holes on there.

Also, I am a little confused about the process. Do you dispute at the SAME time with the CRA's or Dispute first or DV 1st and Dispute Later??:confused:

Any input would be great. Just trying to get this started. Thanks everyone!!!

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Also, I am a little confused about the process. Do you dispute at the SAME time with the CRA's or Dispute first or DV 1st and Dispute Later??

Dispute the accounts with the CRAs first. Then when they come back as verified, dispute the CA. Watch for any violations that they may create at that time. Also, since they will claim you're passed the 30 days, straight out dispute the CA. This way they MUST respond, as opposed to a DV. If they don't respond, then there is a violation right there. If they don't respond to 6 separate dispute letters that's 6 violations.

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