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  1. #1
    timmyq is offline Senior Member
    Join Date
    Sep 2002
    Posts
    114
    Is there a sample FDCPA violation letter on this site anywhere? Thanks in advance. NCO is hassling me and I want to shove something back in their face.

  2.  
  3. #2
    edoggie is offline Senior Member
    Join Date
    Sep 2002
    Posts
    600

    Re: FDCPA violation letter

    you must be new ? If so read the top three post. That should help ya find what you need.
    "This is an attempt to extract money from you legally notwithstanding. Any information obtained from you will be utilized to legalize our extortion"

  4. #3
    lbrown59 is offline Senior Member
    Join Date
    Feb 2001
    Posts
    17,876

    Re: FDCPA violation letter

    Originally posted by timmyq
    Is there a sample FDCPA violation letter on this site anywhere? Thanks in advance. NCO is hassling me and I want to shove something back in their face.
    Is there a sample FDCPA violation letter on this site anywhere? Thanks in advance. NCO is hassling me and I want to shove something back in their face.
    timmyq
    ================== HERE YOU GO
    «Your Name»
    «Address1»
    «Address2»
    «City», «State» «Zip»

    «Company»
    «Address1»
    «Address2»
    «City», «State» «Zip»

    «Date»

    RE: Account #_________/Original Creditor’s Name

    Dear Sir/Madame:

    Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.

    Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you.

    You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

    Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

    Sincerely,

    «Signature»
    «Your Name»


    - - - Include the following on a separate sheet of paper - - -


    CREDITOR DISCLOSURE STATEMENT



    Name and Address of Collector (assignee): _________________________

    Name and Address of Debtor: ____________________________________

    Account Number(s): ____________________________________________

    What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms.

    Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO

    Has the purported balanced of this account been used in any tax deduction claim? YES/NO

    Please list the particular products or services sold by the collector to the debtor and the dollar amount of each:


    Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action.

    ________________________________
    Authorized signature for Collector

    __/__/__
    Date

    Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.

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