I understand you wanting to take care of it quickly but I would not advise calling a CA.
You always have the right to validation.
IF you do call them, at least get what ever arrangement you make IN WRITING. You can have them fax you.
Hey and just a thought.......you could always fax a DV to them too. CAs are sneaky and slimy.......you can make an agreement over the phone and tomorrow it never happened..........and you have no proof.
Validation is important because you want to make sure they have the right to collect on the debt, that they are licensed to collect in your state and that the amounts they have are correct. If they have the right to collect on it, then they should have no problem producing proof from the OC and giving you an detailed list of charges and how they came to the amount they are claiming you owe.
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