This is an example of a Debt Validation letter. Please do not use these letters word for word as many similar letters have been used. Make your message your own and change it around to fit your needs.
These letters must be sent ASAP, within the deadline after you receive your first letter, they can be used for further collection agencies There after.
Your name
your speech
city, state, zip
Collection agencies name
speech
city, state, zip
date
About: (account number, reference number or whatever number they use to identify your account)
To whom he looks
I am sending you this letter in response to some (news, letters, constitution, etc.) sent to me (and some phone calls to my cell phone / home data between calls during the day). Please advise that I do not refuse to pay this alleged account, but the notice sent pursuant to Fair. Debt Collection Practices Act, 15 USC 1692g Sec. 809(b) is requested to be discussed and a remedy sought.
I am not asking for “verification” or proof of my email address, but a REFUND request made pursuant to the above-mentioned Title and Section. I respectfully request your services to me as a competent witness, so that I may be bound to you by law.
Please do the following for me:
The money you say I owe is for.
Explain and show me a breakdown of how you calculated this amount you say I owe.
Provide me with any letters or copies of papers that show I agree to pay the amount you say I owe.
The name, address and telephone number of the original creditor are identified.
The statute of limitations to prove this alleged reason has not expired.
Proof that I am allowed to collect in my state.
Provide me with your license number and any registered agents.
Please provide me with a copy of the agreement between you and the original creditor that allows you to collect this debt on behalf of the original creditor.
If your services are able to provide me with all the required documents. I will ask for at least 30 days to review and investigate this information and during this time any collection activity must cease and desist.
Also, during this time of healing, if anything is going on about which the loss of any of my praise can be heard, I will consult with legal counsel. This includes any listing of any information to a credit reporting agency that is inaccurate or invalid or proving that the information is claimed to be accurate when in fact no proof has been provided.
If your services fail to respond to this validation request within 30 days from the date of your receipt, or do not provide me with proper validation, all information about this account will be deleted and completely removed from my carrier and copy of such. A request for deletion will be sent to me immediately.
I am also happy to request, in writing, that no telephone contact be made from your offices to my home. , mobile phone, work location, any family members, friends, neighbors or co-workers. If your services attempt to communicate with me by telephone, including but not limited to computer calls and calls, or correspondence sent or with any third parties < /a>, the harassment will be considered, and I will have no choice but to file a lawsuit. All future communications with me should be done in writing and sent to the email address noted in this letter by USPS.
(You can also report here any harassing or threatening phone calls or any violations made by the collection agency. Note the date, time , the name of the person they called and what they said.
This is an attempt to correct your records, any information obtained will be used for that purpose.
Sincerely,
Your name
If you receive a response, it is a valid response and not just a printed letter. Most collection agencies do not respond, the system will most likely be sent to another collection agency and you will be. just send another request for validation.
If the collection agency responds correctly to the validation (it usually does), you will be able to see my next article on configuring your accounts.
