Validation letters work

I had a collection account from 1996 that was sold to North Shore Agency recently. I sent them the validation letter on July 21. Today I received a letter from them stating as follows:

Dear LKH,

Thank you for taking the time to write to us about your account with OSI Collection Services, Inc.

In light of the information provided, we are stopping further collection activity and closing theis account on the files of North Shore Agency. Furthermore, be assured that North Shore Agency has not taken any measures intended to adversely affect your credit file.

Our files are updated on a regular basis. An additional collection notice from us may have been processed before the account was closed on our files.
If one is received, you may disregard it or return it to us with a brief explanation.

On behalf of both this company and our client, please accept our apologies for any inconvenience experienced in this matter.


Sincerely,

North Shore Agency


How about that? Got 'em!

 

I used the standard 2 page Lizard King special. I can't believe how easy it was and how quickly it worked. It will be 2 weeks tomorrow that I sent it out.
Here it is again, the original unchanged letter that Lizard posted here months ago.




date

Name of collection agency
address
city state zip

Re: Acct # 0000-0000-0000-0000

to Whom It May Concern:

This letter is being sent to you in response to your attached letter.

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 this information is received.

Please 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 an unsubstantiated demand for payment though 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.

Please also be aware that if any negative mark is found on 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 1) Violation of the Fair Credit Reporting Act, 2) Violation of the Fair Debt collection Practices Act, 3) Defamation of Character, 4) 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.

I suggest you and (insert name of original creditor) get your records in order before I have to target you for legal action.

Best regards,

(your signature)

Cc: (insert name of any lawyer), Esquire











CREDITOR DISCLOSURE STATEMENT

Name & Address of Creditor: _______________________________________________

Name of Debtor: ____________________Acct #: _______________________________

Address of Debtor: ________________________________________________________

Amount of Debt purported to be owed: _________ Date it became payable: ___________

Was this debt assigned to the collection agency or purchased? ______________________

Amount paid if purchased: __________

Commission for the collection agency if successful with assigned debt: _________

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.

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

Have any negative trade lines been reported to any credit reporting agencies regarding this alleged debt? If so, please name the credit reporting agencies. _______________________________________________________________________

Please provide the name and address of the bonding agent for the collection company (insert name of collection agency), in case legal action becomes necessary. _______________________________________________________________________



____________________________________ ________________
Authorized signature for creditor date

Please return this completed form and attach all assignment or other transfer agreements which 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. Please allow thirty days for processing after receipt of your reques