Well, I'm making my first attempt at the collection agencies and I wanted to see what you all thought. Here is the letter I'm sending. Please feel free to give me all the good advice you can, or correct me if I have put something in this letter that I really should not put in. Medclr Inc US Hwy 1 Suite 101 Key West, FL 33040 Kathy xxxxx Address: xxxxx xxxxxxxxxxxx Re: Account# xxxxxx Dear Sir/Madame: This letter is in response to a claim by your agency that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act. I have a right to have the alleged debt validated and I am requesting that you forward all proper documentation to me proving this alleged debt. I'm allowing your agency 30 days from the signed reciept sent via CRRR. 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 you. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt, If you continue to claim I owe a debt that you cannot confirm then you will be in direct violation of the FDCPA, Additionally, any attempt on you part of failure to report this disupted debt to the credit reporting agency will be a violation of the Fair credit Reporting Act. Please forward you documentation to me upon receipt of this certified letter. Please note that proper dcoumentation is not a print out or bill from you but rather the actual original signed document of the debt's existence. Sincerely, Kathy xxxx cc: file
Sounds good, I am a fan of short and to the point. I would add something requesting proof of their right to collect on the debt. Something like: Please attach a copy of the agreement with your client that grants you the authority to collect on this alleged debt. Please attach a copy of any agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Please attach copies of all statements while this account was open. Good Luck -Peace, Dave
Dave, Thanks so much for the input. I will definately add one of your three suggestions. There on there way!!!! kathy
