To DV or not to DV, that is the question????

[fflan513]

I received a collection letter that is within the SOL and is not reporting on any CRA (yet). Should I send a DV letter or ignore it for the time being? Any input would be greatly appreciated.

[fflan513]

Additionally, i'm located in Texas and it is my understanding that I may request validation even after the usual 30 days therefore should I just wait to see if they escalate their collection activity?

[robert217]

The debt wasn't included in your BK?

[fflan513]

The debt wasn't included in your BK?

No it wasn't.......bank acct debt from last year.

[coachtom2183]

If its a bank account debt my experience was they deleted after i paid since it was just a overdraft.

[mendelssohn]

Who is the CA and how much?

[fflan513]

Who is the CA and how much?

Convergent Outsourcing, Inc $873.00

[mendelssohn]

I had a similar situation and chose to settle it if they agreed not to report it. If you can, I would offer a settlement and stipulate that they not report it. If you DV, they could report it and they have 3 years left under SOL for collections to worry about a lawsuit.

[fflan513]

I had a similar situation and chose to settle it if they agreed not to report it. If you can, I would offer a settlement and stipulate that they not report it. If you DV, they could report it and they have 3 years left under SOL for collections to worry about a lawsuit.

In the collection letter they offered me a 50% settlement ($436.91), perhaps I will take it to resolve this thing. It's not even on the CRAs yet so this may be the best way out.

Edited August 12, 2013 by fflan513

[fflan513]

This is a real conundrum, I have never paid a JDB and I don't want to stir up anything by doing so BUT on the other hand I want this resolved. Thinking on it...thanks for the input.

[legaleagle2012]

Don't give them anything until you read Section 809 of the FDCPA (couple of paragraphs, very short) and compare the content of the letter to the FDCPA requirement. If all the requirements are not there, and they do not provide them within five days, they have violated the FDCPA.

[fflan513]

Don't give them anything until you read Section 809 of the FDCPA (couple of paragraphs, very short) and compare the content of the letter to the FDCPA requirement. If all the requirements are not there, and they do not provide them within five days, they have violated the FDCPA.

Unfortunately they did provide all the required info stated in section 809 of FDCPA

[JunkBuyersWorstNightmare]

 

Don't give them anything until you read Section 809 of the FDCPA (couple of paragraphs, very short) and compare the content of the letter to the FDCPA requirement. If all the requirements are not there, and they do not provide them within five days, they have violated the FDCPA.

Unfortunately they did provide all the required info stated in section 809 of FDCPA

 

No, this is a GOOD thing.

[fflan513]

 

 

Don't give them anything until you read Section 809 of the FDCPA (couple of paragraphs, very short) and compare the content of the letter to the FDCPA requirement. If all the requirements are not there, and they do not provide them within five days, they have violated the FDCPA.

Unfortunately they did provide all the required info stated in section 809 of FDCPA

 

No, this is a GOOD thing.

Care to elaborate?

[gooddfella]

 

 

 

Don't give them anything until you read Section 809 of the FDCPA (couple of paragraphs, very short) and compare the content of the letter to the FDCPA requirement. If all the requirements are not there, and they do not provide them within five days, they have violated the FDCPA.

Unfortunately they did provide all the required info stated in section 809 of FDCPA

 

No, this is a GOOD thing.

Care to elaborate?

 

What ever happened with this? Did you pay them? I'm in a similar situation(Convergent, checking account debt, got letter but not on report yet). I wonder why its not on the report... could it be that they dont have enough to validate? I know they've had this for months because few months ago when I called to PFD a Direct TV account (succesfull btw) they said oh you also have a 3k collection, refering to a chase cheking, but I ignored it since it wasnt on my report.

Edited October 18, 2013 by gooddfella

[PaydirtPrincess]

 

 

Don't give them anything until you read Section 809 of the FDCPA (couple of paragraphs, very short) and compare the content of the letter to the FDCPA requirement. If all the requirements are not there, and they do not provide them within five days, they have violated the FDCPA.

Unfortunately they did provide all the required info stated in section 809 of FDCPA

 

No, this is a GOOD thing.

 

How so?