validationnoob Posted January 22, 2012 Report Share Posted January 22, 2012 Something kind of strange happened. There is a small old debt, only a couple of hundred dollars. I already went through validation process with a DC, and sent them a PFD offer for more than 50%. Never heard back from them. Yesterday received a letter from a different DC trying to collect on the same debt. I assume this means debt validation starts over, and I should request validation from the new DC first, before doing anything. If they can validate, as old DC did, then I can proceed sending them the same PFD settlement offer. Is this right?The part that seems strange is, I doubt this new DC bought the debt for more than my last PFD offer amount. It's pennies on the dollar, right? The amount I offered in the settlement was about 57 cents on the dollar. Link to comment Share on other sites More sharing options...
inthesticks Posted January 22, 2012 Report Share Posted January 22, 2012 Yes, new collector means new DV letter. Link to comment Share on other sites More sharing options...
VLDCA Posted January 22, 2012 Report Share Posted January 22, 2012 Something kind of strange happened. There is a small old debt, only a couple of hundred dollars. I already went through validation process with a DC, and sent them a PFD offer for more than 50%. Never heard back from them. Yesterday received a letter from a different DC trying to collect on the same debt. I assume this means debt validation starts over, and I should request validation from the new DC first, before doing anything. If they can validate, as old DC did, then I can proceed sending them the same PFD settlement offer. Is this right?The part that seems strange is, I doubt this new DC bought the debt for more than my last PFD offer amount. It's pennies on the dollar, right? The amount I offered in the settlement was about 57 cents on the dollar.You have to remember they're not smart. They are dealing w/ hundreds/thousands of debts to collect. So when they sold your account to a new DC it was w/ hundreds of others that went w/ yours. So this just happened to me. Mine is a new atty office trying to collect. So yes I sent them a DV letter over a mth ago. Link to comment Share on other sites More sharing options...
TomnTex Posted January 23, 2012 Report Share Posted January 23, 2012 If it's past your states SOL I would tell them to forget it, they can try and take you to court but you cans use the SOL as a defense. You will need to do this everytime you get a new dunning letter from a new JDB. It will only stay on your CR for seven and a half years and then it falls off. Link to comment Share on other sites More sharing options...
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