Alleged Discover CC debt from a card with activity from 1995 - 1998. Can't find DOLA on my privacyguard report though. Discover reports as OK (not 120/Charge Off) but has the bad debt/charge off/collections trade line. Recieved two letters from CBCS. One last month saying I requested the debt information in writing (they spoke to my mother on the phone not me) and all it lists is discover card, some account number, an amount and a statement that says we obliged, now you oblige and pay us - ha! Received another letter last week with a 50% Settlement offer but only if I "ACT NOW!!!" - ha! So CBCS is collecting but Discover is reporting. Who do I send the validation of debt letter to?
VL always goes to CA you want to do that sooner rather than later, before the CA adds a TL to your report too. with any luck you may catch them in violations and be able to collect or use the violations for leverage for removal
