[LovinMykids]

I'm posting this on a new thread because I'm confusing myself and others asking 2 different questions on the same thread. Sorry about that.

This is what a CA sent me after I sent them a DV letter AFTER the 30 days...

"We have received your request for validation of the above-referenced account.

The FDCPA (shortened by me), provides that unless you demand validation of your debt within thirty days of your receipt of our first letter to you (which contained the statutory notice required by the FDPCA), we are entitled to assume that your debt to us is valid and to continue our collection efforts.

As of the date of this letter, your current balance on the account is $bla bla. Arrow Financial Services LLC purchased your Washington Mutual Bank on Febuary 27, 2007. Our records indicate that, you opened this account on June 25, 2004. (**they did a hard pull to get this date**)

Please be aware that we may continue to contact you regarding this account.

We appreciate the opportunity to assist you in this matter. If you have any further questions, blah blah blah."

I sent them the full DV letter stating that "your claim is disputed and validation is requested, etc". I do keep getting "private caller" on my caller ID and no messages. Can't prove its them but I suspect it is.

I don't know what to do from here....

[Pale Rider]

They can continue to collect. Your dispute does require them to mark the account as disputed when furnishing info to a CRA.

The SOL is a long ways off. And, the amount was small. You may want to see if they will remove the item from your report in exchange for payment. They are not required to, and it is not illegal if they calim that. Make sure everything is in writing if you enter any type of settlement, and pay by money order so they don't get your personal bank info.

[LovinMykids]

Sounds good. Thanks for the info Pale Rider!