Jump to content

Can I DV after the 30 days is past?


cocotel
 Share

Recommended Posts

I know the answer to this question is somewhere and I did look around for it but can't find it right now. Please forgive me for this being a redundant question.

We have several accounts in collections. After pulling my head out of the sand I have sent a debt validation to two of them. These two are in response to letters from the collections agency's that I received in the beginning of October but they have been calling me on the phone for much longer than before I got these letters.

One is for The Bureaus Inc. who have my Providian/Wamu acct. This account had grown very high with interest, late fees, etc., reaching over $20,000.

The other is Central Credit Services, Inc. who have my Wells Fargo acct. This account is for a little over $3000.

I am awaiting the return receipt green card back in the mail along with the agency's response to these two accounts.

I have a few other accounts where I got the letters longer than 30 days ago. I have not yet DV'd them. Here is my question--since it is after the 30 days what happens when I DV them? Can they still pursue collections? Do they still have to prove I owe the debt? Do they have to stop calling me and all my relatives like I will request in the letter?

Since it is after the 30 days what happens? Am I really screwed here since I waited too long or what?

I have quite a few people calling the house, one I don't know who it is and can't find any info anywhere. It is 866-384-6376 and the gilrs just says it's "Melissa Aniston" and for me to call her back. This is the only one I can't identify. I have never called her back.

Any advice given here will be much appreciated as I start this long road. Thanks so much.

Link to comment
Share on other sites

I DV'd two collection agencies, not the original creditors.

As for the ones that I have not yet DV'd, those are over 30 thirty days from when I got the letters. I will go ahead and DV them as they are calling constantly, leaving messages like "You have until 9 p.m. today to call us back. I can assure you if we do not hear back from you a decision will be made." They have also called relatives (the ones that we don't even have a friendly relationship with) asking for us and I suspect they may have given more info to them that they are allowed to. Of course I will never know that for sure.

Some collectors that have been calling my house--I have never gotten any written mail from them, ever.

Thank you for your response.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.