October 22, 2003
Collections Law Firm Address
NOTICE
Reference: Credit Card Number
Dear -----------------------,
I thank you for your collection letter of October 17, 2003, it is being returned. This is not a refusal to pay, but a notice that your claim is disputed. This is a demand for validation made pursuant to the Fair Debt Collection Practices Act. I dispute your debt collection-related allegations, deny the same, and demand strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law.
Be advised that I am not requesting a "verification" of an account or that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some valid contractual obligation to pay you. At the very minimum I demand the following:
1. 2. 3. 4. 5.
Name and address of original creditor. Account number of original creditor. Certified copy of the original agreement with my signature attached. Certified copy of the original application with my signature attached. If this is an alleged credit card debt, copies of all charge slips, with signature, that constitutes the amount you allege owed. 6. A sworn statement from an officer of the original creditor verifying that they lent their own money to fund this alleged debt. 7. What are the terms of assignment for this account. 8. Have any insurance claims been made by any creditor or assignee regarding this account. 9. Has the purported balance of this account been used in any tax deduction claim? 10. A list of the particular products or services sold by the collector to the debtor and the dollar amount of each.
Your claim cannot be considered if any of the above information is not furnished. This is a request for validation made pursuant to the Fair Debt Collections Practices Act. If you do not respond as required by law, your claim will not be considered and you may be liable for damages for continued collection efforts.
Please limit your communications with me to writing only. If I receive any telephone calls from your company they will be considered intentional harassment.
You have the right to remain silent. If you ignore this notice and contact me by telephone, you and your employees agree to allow me to make an audio recording of our conversation and you and your employees
agree to allow the recording and any other information obtained to be used against you and your employees in a court of law. I will accept only written communications.
You should also be aware that sending unsubstantiated demands for payment through the Untied States Postal Service might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communications with me.
Your failure to satisfy this request within the requirements of the Fair Debt Collections Practices Act and Heintz v. Jenkins, No. 94-367 (U.S. 04/18/1995) will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs, damages, and legal fees.
Respectfully submitted,
Your Name Certificate of Service I certify that the above “Notice” was served on Law Firm, Address on the 22nd day of October, 2003 by First Class mail, postage paid.
__________________________ Your Name and Address