Letter to a collections attorney

A friend of mine recently bought a new home. She established telephone service and began to receieve dunning calls from several collections attornies. The CA are evidently looking for the person(s) who formerly subscribed to her telephone number. I put together this letter to force the CA's to stop their phone calls and to help guide them into a FDCPA violation.

Me at home
555 Pleasant Lane
Tranquility, SC 99999-9999

May 07, 2004

Dirty Scumbag Collections Attorney
555 ImaGonna Screw You Ave
IneedaLife, TX 99999-9999

CERTIFIED MAIL: 9999 9999 9999 9999 9999

Re: Collections Activity

To Whom It May Concern:

Collections activity originating from your organization is disturbing the tranquility and sanctity of my home. I have received numerous dunning calls from your firm, (555) 555-5555 to my home, (555) 555-5555. The callers have been repeatedly rude, crude, and in some instances vulgar. I do not believe that I have any business with your firm. I do not believe that I have a debt owed to you or to a client of your firm. You are now put on notice that I will not allow you to intimidate me in my own home.

Congress has afforded this nationâ??s consumers the protection of the Fair Debt Collection Practices Act (FDCPA). Referring to 15 USC 1692a: There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. The repeated calls that I have received from your organization are, in my opinion, in violation of 15 USC 1692d, which stipulates that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Again, I do not believe that I have a debt owed to either you or to a client of your firm. Certainly no initial notification of collection activity was sent to me prior to your repeated telephone calls. Thusly so, you should consider this written communication as a notice for the demand of validation for indebtedness, per 15 USC 1692g. I am demanding proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation that is binding upon me to pay this debt. In the absence of such proof, per the FDCPA, I expect your collection activities to cease. Kindly give this notice the attention it deserves.

Most Sincerely yours,


King Tut

Gimme a critique please...

 

Thanks FUN