LETTER TO COLLECTION AGENCY
LETTER TO COLLECTION AGENCY
COLLECTION AGENCY
VALIDATION/DISPUTE/CEASE AND DESIST
Use this IN ITS ENTIRETY.
DO NOT call them .
- Use this letter and the included form to make the agency verify that the debt
is actually yours and owed by you. Keep a copy for your files and send the
letter WITH PROOF OF DELIVERY ONLY, not certified mail and WITHOUT a return receipt.
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
- 123 NotOnYourLife Ave
- Chicago, IL
Date: _________ PD#____________
- Re: Acct # XXXX-XXXX-XXXX-XXXX
- To Whom It May Concern:
- This letter is being sent to you in response to your attached letter.
- (If you have nothing in writing use the phrase "recent communication)
- This is not a refusal to pay, but a notice that your claim is disputed.
- Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.
- Your legal staff will agree that compliance with this request is required under the laws of (State name) and Federal Statutes.
- In addition to the questionnaire below, please attach copies of:
- Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.
- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection
activities.
- Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns
- I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.
- In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion .
- I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely,
- Your Name(PRINT OR TYPE DO NOT SIGN)
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Debt Validation Form
- Questionnaire to be returned :
- Account #: ____________________
- Original Creditor's Name:
_________________________________
- Name of Debtor:
______________________________________
- Address of Debtor:
___________________________________
- Balance of Account:
__________________________________
- Date you acquired this debt:
_________________________
- This Debt was: assigned ___purchased___
- Please indicated any credit bureaus to which
you have reported on this account:
- Experian ______
- Equifax ______
- TransUnion _____