I was just reading a post on the forum, and someone mentioned that some accounts get "assigned" to a CA who handles their 90+ day delinquent accounts, and if you DV them they just send it back to the OC, who farms it out to another CA... rinse & repeat!

I posted this response in the forum, but also wanted to track the process in my blog:

[[Hey, this is really interesting! I think this happened to me. Our WAMU cc assigned our account to a collection agency, Van Ru, when it was 109 days past due -at that time they shut off our online access and stopped sending us monthly statements. Van Ru called me a few times, I asked for validation of debt over the phone. I received a few more phone calls before I received their letter, the last guy apologized when I told him he was breaking the law and said he would update their system to not call me.

So, then I received the validation letter dated Dec 11th, giving me 30 days to dispute. No more calls, I figured the calls would start again after the 30 days were up. Now, I just got a monthly statement from WAMU, and Van Ru has not called! It'll be interesting to watch and see if I get a call from a different CA now!]]

I previously posted here that I got a letter dated Dec 11th and was waiting til the 30 days were almost up to DV them, but I realized very recently that their letter contains everything they are required to give me in a validation of debt! What's a bit confusing to me, is that their letter gives me 30 days to dispute or request validation. Huh??