Gravity357 Posted November 6, 2007 Report Share Posted November 6, 2007 Hi everyone. I tried to find this answer but I didnt exactly know how to ask it so I'll start a new thread. I never received a dunning letter from Palisades no a incorrect debt. I sent a DV letter to them a few days ago and I was only wanting to prepare for the worst. So here is my question, if I never got a dunning letter or any form of collection action in writting do I still have my 30 days or not. Does this violate any law or not. Thanks. Link to comment Share on other sites More sharing options...
flycouture Posted November 6, 2007 Report Share Posted November 6, 2007 They don't have to respond in 30 days. They don't have to respond at all. But they can't continue collection activity until they do. also your 30day rights begin when they contact you. Some will say that can be by way of dunning or by way of your reports. But not sure of that! Link to comment Share on other sites More sharing options...
Gravity357 Posted November 7, 2007 Author Report Share Posted November 7, 2007 This is what I mean:1. I look at my credit report and notice a medical collection and say wtf is this?2. It was put on my report like 2 years ago.3. I was never sent any kind of letter that says I have 30 days to respond or the debt is valid.Isn't this some type of violation. Link to comment Share on other sites More sharing options...
Lyssarene Posted November 7, 2007 Report Share Posted November 7, 2007 You appear to be in TX, TX can DV at ANY TIME - doesn't have to be within the 30 days per the Texas Finance Code. Link to comment Share on other sites More sharing options...
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