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Free Debt Validation Letter to Send to Collection Agency or Collection Attorney. Chances are that the Third Party or Collection Attorney does not have the proof to verify your debt. This can make this debt go away once and for all. You have rights when a collection agency is requesting money. Find out if what they have on you and if this is indeed your debt.

Most debts are very old and Collection Agencies/Collection Attorneys have a hard time verifying the debt.  Give them 30 days to respond and if they do not send them this letter next Click Here

 

 

 
Your Name
123 Your Street Address
Your City, ST 01234

Scum Bag Collections
123 Kiss My Butt Ave
MYOB, IN.

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on December 02, 2006). 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 credit.

Prove the statue of limitations has not expired.

Identify the original creditor.

Show me that your 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 Trans Union) 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 Name