Silly question about collections

[niko1999]

I feel a bit silly asking this, but here goes, and I will post in the collection section as well, since I am not sure where this should go. Down to the point. I had had a BOA account, it went negative, went to collections, and I paid on it. Well, after a couple of years or so, not remembering if I paid it all or not(silly I know), I disputed it back before thanksgiving. It falls off my report-YAY. Well today, I get a bill from a collector saying I still owe this debt. Now, I was wondering, I thought they only had 30 days to do that if the debt was valid? And should I send a validation letter to the collector, seeing as how it gives me the option. I would like to know if it was or was not paid in full, if not, I will pay it next month with income tax(gotta love it!!), and will request PFD, but should I even bother doing a DV, Im lost....

Thanks guys!

[kevin3344]

get a bill from a collector saying I still owe this debt. Now, I was wondering, I thought they only had 30 days to do that if the debt was valid?

They have 30 days to validate after they receive a letter disputing the debt from you, not when they receive it. You should always DV first before considering a PFD.

[niko1999]

But would it normally take almost 90 days for them to decide after it was deleted to come back and suddenly say it does exist? That is where I am a little confused. I plan on DV'ing it, I am just afraid of any adverse reaction that will have, since I got rid of this once.

THanks!