I will try to explain as simply as I can. OC sold the debt to JDB. JDB then sent debt to it's subsidiary CA law firm to collect. I sent CMRR to CA for dispute, no calls and election of arbitration. I heard nothing back.
I get a call from another CA about this. Now CA 2 is in the picture. It is also a subsidiary of JDB as well was CA1. I intend on sending another DV letter with arb request.
Is this a violation?