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DV'd twice and waiting


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Hi.

Well, I've just had a small victory with a case with this law firm (Bowman, Heintz, Boscia and Vician) here in IN but now I am working on a much bigger DV with them.

I followed the debt validation process back in March, waited 30 days and they did not write back, so I DV'd them again in May. It was around the end of the month and I am still waiting. I am concerned because I just had a case dismissed by them but the amount that they were after is peanuts in comparison to the collection acct. I DV'd on.

Should I be concerned that they are going to hit me with a suit? They are representing Asset Acceptance and we all know how greedy they are! I took my name off of our bank acct since I don't work and haven't for years now. The only other thing is that my name is on our house, even though the loan is in my husband's name only. They might be snooping around for a lien or something. :-(

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Remember that the CA's do not have to respond to your DV. :roll: The only thing they can't do is verify it with the CRA's before verifying it with you first. 8-) Check your most recent credit report. :)

But I don't understand. They had just taken over the account and within the document it said that I had 30 days to dispute the debt. That's what I did and they are not adhering the law with responding to the information contained within the DV.

I will check my report but they just can't ignore me. How can they after me for a debt that they don't have any documentation on and not expect me to challenge them? No way! I'm still waiting...:rolleyes:

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You always run the risk if you're DV'ing on an account that is still within SOL. Not sure if yours is, but the risk may be there. Keep that one in mind. ;)

Yeah I know but to ignore it would not have done anything either. They still need to get back in touch with me since they just took over the account. :-) Thanks for your help.

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Yeah I know but to ignore it would not have done anything either. They still need to get back in touch with me since they just took over the account. :-) Thanks for your help.

They actually don't. While you have 30 days to dispute the validity of the debt...they don't have to respond to the validation. They just have to cease all collection activities until they validate the debt.

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I am by no maens an expert but from my experience it took about 2 months for 2 CA's that I dv'd to send Validation. They could just be waiting to get information from the OC. They do not have a time limit to respond.

Thank you for that information; that was what I was looking for. I know my rights now and I do appreciate all of the responses on this question. ;)

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