[Jerseee]

Ice, Jim&or anyone with the know,

I have sent a credit card company a VOD and it has been about a month since I have heard from them.& this company must have bought information from a company that I was dealing with--now they are debt collectors basically.

Should I proceed with a certificate of non-response since it has been well over 30 days?& If so, is there a format for this document or does the notary create it?

Also, this alleged debt should or should not show up on my commercial person's debt report as a charge off?

And I have ask for verification of debt through the CRAs and I have not heard anything and its been well over a month as well.& Should I do a follow-up correspondence to remind them that if a request for verification of debt has been submitted and it has been over 30 days--that the alleged debt entries must be removed by law?

I know its a lot of questions but, 45 days is long enough for the thieves and liars. thanks.& Any and all input will be welcomed and not taken as legal advice.