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Re: Why chat- need guidance


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Posted by Why Chat (209.240.198.61) on January 22, 2003 at 20:44:46:

In Reply to: Why chat- need guidance posted by head is swimming on January 22, 2003 at 19:57:37:


Use this IN IT'S ENTIRETY.
DO NOT call or try to play nice.

Use this letter and the included form to make the agency verify that the debt is actually yours and owed by you. Keep a copy for your files and send the letter registered mail return receipt requested.

Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to your attached letter.(If you have nothing in writing use the phrase "recent communication)

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

In addition to the questionnaire below, please attach copies of:
Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal in writing of any claim.

In the event of noncompliance,I reserve the right to file charges with appropriate County, State & Federal authorities the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

Sincerely,
Your Name(PRINT OR TYPE DO NOT SIGN)
.................................
Debt Validation Form

Questionnaire to be returned to me for Account #

Original Creditor's Name: ____________________________

Name of Debtor: ______________________________________

Address of Debtor: ___________________________________

Balance of Account: __________________________________

Date you acquired this debt: _________________________

This Debt was: assigned __________ purchased__________

Please indicated any credit bureaus to which you have reported on this account:
Experian     ______
Equifax    ______
TransUnion   ______



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