After Reading through this forum about VL, it seems to me that
sending a DVL is basically useless. Am I missing something?

To whom it may concern:

Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you.


Since CA's are not required to send you actual proof, that they are indeed legally able to collect the debt.

How do you therefore, defend against collections, and stop them from sending a complaint, if they don't have to supply me with the items in these VL letters, and or, a contract with my signature saying that the OC can sell my charged of debt, and I have to pay the CA?
So, all this does is stop collection activities until they send me the original creditors name and address?
Then the Harassment can continue?

Thanks