Quote:
Originally Posted by Angel  --------------------------------------------------------------------------------
1 2 punch LVNV, HSBC or both of them? |
A 1 2 punch is only meant for a CA. So, just 1 2 punch LVNV.
For HSBC, since they are an OC........you can still dispute them with the CRAs if you want to.
Now one thing to keep in mind.......is by doing a 1 2 punch, since you are sending the CA a DV you are asking for proof of debt. If, by chance, they do come up with proper validation.......you may need to set up a payment arrangement with them or they could possible sue you.
Honestly, since it's that recent of a debt........they should have the proper validation (or be able to get it from the OC) but I kinda doubt they are on the ball enough to do it. PLUS they are constantly violating laws......which would be a huge advantage to you.
ONE violation is worth up to 1K and since your debt isn't even worth that much, you may be able to get rid of them easily.
I just want to give you the pros AND cons before you send them anything.