Learn
do-it-yourself free debt settlement or let an expert debt settlement company
negotiate a huge chargeoff for you.
By
negotiating settlements, you pay less than what is owed and that can end collection agency harassment quickly.
You
should first review the pros and cons of negotiating settlements.
One
reason to let a settlement company negotiate on your behalf, is because a
professional debt settlement company is experienced in negotiating and may be
able to get you higher chargeoff amounts.
Your Name
Your Street Address
Your City, State Zip
Creditor/Collector Name
Street Address
City, State Zip
Date: _ _ _ _ _ _ _ _ _ _
Re: Acct # _ _ _ _ _ _ _ _ _
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on _ _ _ _ _
_ _ _ _ _. Be advised that this is not a refusal to pay, but a notice sent
pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b)
that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing
address, but a request for VALIDATION made pursuant to the above named Title and
Section. I respectfully request that your offices provide me with competent
evidence that I have any legal obligation to pay you.
Please provide me 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;
- Prove the Statute of Limitations has not expired on this account
- Show me that you are licensed to collect in my state
- Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported
invalidated information to any of the 3 major Credit Bureau’s (Equifax,
Experian or TransUnion) this action might constitute fraud under both Federal
and State Laws. Due to this fact, if any negative mark is found on any of my
credit reports by your company or the company that you represent I will not
hesitate in bringing legal action against you for the following:
* Violation of the Fair Credit Reporting Act
* Violation of the Fair Debt Collection Practices Act
* Defamation of Character
If your offices are able to provide the proper documentation as requested in the
following Declaration, I will require at least 30 days to investigate this
information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be
considered detrimental to any of my credit reports, I will consult with my legal
counsel for suit. This includes any listing any information to a credit
reporting repository that could be inaccurate or invalidated or verifying an
account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from
the date of your receipt, all references to this account must be deleted and
completely removed from my credit file and a copy of such deletion request shall
be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by
your offices to my home or to my place of employment. If your offices attempt
telephone communication with me, including but not limited to computer generated
calls and calls or correspondence sent to or with any third parties, it will be
considered harassment and I will have no choice but to file suit. All future
communications with me MUST be done in writing and sent to the address noted in
this letter by USPS.
It would be advisable that you assure that your records are in order before I am
forced to take legal action. This is an attempt to correct your records, any
information obtained shall be used for that purpose.
Best Regards,
Your Signature
Your Printed Name =============================================================
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