Quote:
Originally Posted by rubyruby27
From my understanding you must directly dispute with the DF to ensure they have been put on notice and not just a dispute with the CRA's.
Question: would defending yourself in a lawsuit be considered notice that you dispute.
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Strictly speaking, no. The simple reality is that even when people are guilty as hell, there are still arguments that address liability. An Answer in civil court should not be considered as constructive notice of a dispute of the specific tradeline. Let's face simple reality...most Answers in civil court are about attempting to minimize liability for damages. And an even simpler reality in a majority of the debt cases is that the defendant DID owe an amount associated with the underlying claim. Just how much is owed is often what is the material fact at issue...
Don't try and cut steps. Build the papertrail. Too many people try and follow the steps of those who profess the easy way out is the best...whereas if they would take the time to do things properly, they would have been in a much more solid position come game time.