Northland Group sent me a letter for an offer of settlement. I sent them a vaildation letter and have yet to hear from them. The date of the green card is 2/19/04. Should I just sue them for forgetting to include the mini miranda or send this letter? If I send this letter is there anything else I should include? This is my letter to Northland Group: RE: Dispute Letter of February 15, 2004 Dear Sir/Madame: I have not heard back from you in over 30 days regarding my notice of dispute, and demand for validation, dated 2/15/04. You have not supplied the demanded proof of the alleged debt. Under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Specially your first violation was of the Fair Debt Collection Act, §809 (a)(3). â??a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collectorâ?, the â??mini Mirandaâ?. This is not an admission to this debt or any portion thereof; however, I will forgive your multiple violations for the following: â?¢ removal of your companyâ??s listing from my credit report, â?¢ reporting the account as â??Paid in Fullâ? to the original creditor, â?¢ and agree that you will not pass this account to another debt collector. Failure to respond within 15 (3 times longer than the FTC itself would expect) days of receipt of this registered letter will result in a probable lawsuit, quite possibly in Federal District Court, in demand of a Jury Trial, for, but not limited to: Defamation Willful, Negligent noncompliance with the Fair Debt Collection Practices Act. Violation of the Fair Credit Reporting Act Should I obtain a judgment against your company, I will petition for a Writ of Execution from the Sheriff's office in your county, and I will begin the process of attaching property or funds to satisfy said judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Sincerely,
