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When is it too late to request a debt validation?


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From what I'm reading,  it looks like my state, Missouri, does NOT allow filing a MTC arbitration in lieu of an answer. So what does that mean for me? What is my next step? Do I still file the MTC, just with an answer? What is my answer? I'm so lost. :/ My date to appear is January 26th so I want to get this done ASAP, if there is still anything I need to do before then. 

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