It seems to me that the common thought on validating a debt that has an over due balance is that it should only be done if you're able to pay and/or settle the debt in the event that the DV wakes the sleeping giant...? Thoughts?? I'm trying to be smart and patient with one of my accounts even though I want to dispute and validate asap...
Has the CA contacted you yet regarding the debt? If so, send the DV letter right away to protect your rights under the FDCPA. If they haven't, then I can understand why you might want to wait a bit longer in certain circumstances.
No contact yet from the CA. So yes, that is exactly why I think I'm gonna sit tight until I have the cash to negotiate an immediate deal should they not be able to DV. So the DV goes to the CA??
