Re: How to validate

Posted by Parry (67.5.188.231) on January 10, 2004 at 15:50:41:

In Reply to: How to validate posted by Spongebob on January 10, 2004 at 08:27:42:

A signed application agreement, an itemized statement showing specific dates and amounts of charges and interest. An affidavit of assignment or sale by the OC to the CA.

If they cannot validate then send them a C&D dispute letter CRRR:

Sample letter:

Your Name
Your Address

Collector's Name
Collector's Address

Dear Collector,

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers

I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt.

I further demand that, if you have reported me to a credit reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so.

Finally, stop contacting me about this or any other matter, except via mail and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions or remedies.

Your Signature Above Name
Printed Name

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