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andbowd
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I rec'd a call from a collection agency on 01/02/2007 concerning a CA. I did not know about CIC then. They have not sent me a written statement, only Called me. Can I DV them now? I found another CA is asking me to pay on this same account (11/19/07). When does the 30 days start? Account is not on my credit report.Bal $11,000

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