Well, hang on, honey. Us east coast people are still waking up or at sunday school, midwest and west coast are still asleep, LOL. It' sSunday, be patient. I haven't had any coffee yet.
I guess I am being selfish, I am at work early this morning. Sitting here thinking everyone is up too. Oooopppss sorry. You guys are really great and provide such great help, I know some one will help me out.
Larry I sent this................ Re: Account #534xxxxxxxxxx To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on November 28, 2001. This is not a refusal to pay, but a notice that your claim is disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete the attached form and follow its instructions and your claim will be processed as soon as the information is received. Please be advised that I am not requesting â??verificationâ? that you have my mailing address, I am requesting a â??validationâ?, that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that reporting such invalidated information to major credit bureaus might constitute fraud under Federal and State Law. You may wish to consult with a competent legal advisor before your next communication with me. Please also be aware that if any negative mark is found on any of my credit reports from your company, or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for: · Violation of the Fair Credit Reporting Act · Violation of the Fair Debt Collection Practices Act · Defamation of Character · Negligent Enablement of Identity Fraud Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Under the FDCPA, once a consumer attempts validation of an alleged debt, all collection activity must cease and desist. This includes listing any account with a credit-reporting repository that is inaccurate and invalidated. If you do not respond to this validation request within 30 days from the date of this request, all references to this account must be completely removed from my credit file. I suggest that you and (insert origanl creditor) get your records in order before I have to target you for legal action. Best Regards Your Name CC: Attorney Esquire CREDITOR/DEBT COLLECTOR DISCLOSURE STATEMENT Name and Address of Creditor:____________________________________________________ Name of Debtor: _______________________________________________________________ Account #: ___________________________________________________________________ Address of Debtor: _____________________________________________________________ Amount of debt purported to be owed: ______________________________________________ Date alleged debt became payable: ________________________________________________ Was this debt assigned to debt collector or purchased? ________________________________ Amount paid if debt was purchased: ________________________________________________ Commission for debt collector if collection efforts are successful: _________________________ · Please attach a copy of the agreement with your client that grants Credit Collections, Inc. the authority to collect this alleged debt. · Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. · Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. · Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES NO Have any judgments been obtained by any creditor regarding this account? YES NO Please provide the name and address of the bonding agent for Bank of America in case legal action becomes necessary: __________________________________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date Please return this completed form and attach all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. Your claim cannot be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by law, your claim will not be considered and you may be liable for damages for continued collection efforts. Please allow 30 days for processing after I receive this information back.
hahahaha!!! her name is Laray, I am breeze. Go get yourself some coffee. I amswered in the other thread.
