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My wife has debts from about four years ago (before we were married) that are now judgements and collections. Does the 30 day window start from when they first contacted her (about four years ago) or do we still have that if I send them a DV? I have the money to just pay everything off now.

Starts from when they first contacted you. Do a search for "1 2 punch" and you will find a way around this.

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