I have one bad cc that used to go to my office address. I work from home most of the time, so I don't go in to the "office" much, I am an independent contractor. CA sends letter there 2 months ago, another one the other day... One to the HR dept to ask do I work there.........Is it too late to send validation letter??? Please advise
It's never too late to send a DV letter in my opinion. Even if you're beyond your initial 30 day period specified in the FDCPA, the letter normally gets the CA to attempt to send validation information because they don't normally keep track of whether you're operating within that time period (being that they deal with hundreds of different accounts a day). If they have insufficient records (or as is often the case, no proof at all), you'll at least be aware of what they're working off of and what your options are. Another point of interest is that they've attempted to contact you at work. Have you ever advised them not to contact you there? Because if you previously did so, now they are in violation of the FDCPA. You might have gained some leverage if this is the case.
Remember that you have 30 days from receipt of the CA's letter to DV. So if it takes 6 months for you to get the letter, the clock starts the day you get it. Not, the day they sent it.
