It's a long story but the truth is that couple years ago, I called Sprint customer representative and closed my account (Sprint didn't mention any pending fees/bills due during that time - and it was like a pre-paid plan), so I'm pretty sure I don't owe anything. But since past summer, I've been getting numerous calls from them asking me to pay $350 debt from my old Sprint account. I checked out the local Sprint store where I opened my service and noticed they were gone and went out of business.
So anyway, around september, I sent Cavalry a validation notice (by the way, what's the difference between validation notice and dispute notice?) of this debt (hand-written, return receipt, certified), and they sent me one letter which is nothing but a payment plan (like if I pay by xx/xx/2008, I'll get 20% discount). So I sent them a second validation notice, and since the day they received 2nd notice, somehow they STOPPED calling me (I did mention in my letter that they should stop all collecting activities, but it even scares me more, because I'm not sure what they are up to).
And it's been more than 30 days already, and I was thinking about calling them to ask what happened to my account & what happened to my request for validation of this debt. Should I try calling them at all? Is this going to wake them up and start harrassing me again? Although nothing shows up on my credit report yet, I'm afraid that they will come back and review my Cavalry account and report anything in the near future. I want my info & account totally gone in their system.
By the way, I didn't file any complaints yet, I heard it's not helpful since no one takes any action...?
Any advices would be appreciated
Thanks in advance!
Palisades Park, New Jersey