Sei sulla pagina 1di 6

Collection Letter Response From: (Your Name Here) To: (Bottom Feeder Collectors Name) P.O.

Box XXXX City, T !"P

#e: "$ t%e matter o&: 'e(t collectio$ letter dated ) "N *#T N+,* OF C#*'"TO#, (-alle.ed creditor/)) +ccou$t 0 XXXXXXXXXXXXXX e$t (y: 1. . Postal er2ice REGISTERED MAIL

To 3%om "t ,ay Co$cer$, Please ta4e $otice as &ollo5s: 6. +ut%ority: T%at t%is Notice o& 'is7ute o& +lle.ed 'e(t (-Notice o& 'is7ute/) is se$t to you 7ursua$t to Title 68, 1$ited tates Code +$$otated (-1. .C.+/) 9 6:;< et se=, 4$o5$ as t%e Fair 'e(t Collectio$ Practices +ct (-F'CP+/), t%e le.islati2e 7ur7ose o& 5%ic% is to 7rotect co$sumers &rom a(usi2e, dece7ti2e, a$d u$&air de(t collectio$ 7ractices (y de(t collectors) <. Your de(t collectio$ letter: T%at " %a2e recei2ed a$d read your de(t collectio$ letter re&ere$ced a(o2e, ide$ti&yi$. yoursel& as de(t collectors,(*x%i(it +) co7y o& de(t collectio$ letter), 5%erei$ you alle.e t%at " %a2e a de(t o(li.atio$ to t%e alle.ed creditor re&ere$ced a(o2e) >. Pur7ose o& t%is $otice: T%at t%e 7ur7ose o& t%is Notice o& 'is7ute is to assert my ri.%ts i$ de(t collectio$ u$der F'CP+ 9 6:;<(.)(() 5it%out delay a$d 5it%i$ t%irty (>?) days o& my recei7t o& your a&oresaid de(t collectio$ letter) @. +lle.ed de(t dis7uted: T%at " %ere(y dis7ute t%e 2alidity o& t%e alle.ed de(t i$ its e$tirety) 8. Aeri&ied docume$tary e2ide$ce re=uested: T%at " %ere(y re=uest you 7ro2ide me 5it% t%e &ollo5i$. 2eri&ied (s5or$ to (y a&&ida2it) docume$tary e2ide$ce i$ su(sta$tiatio$ o& t%e alle.ed de(t claimed (y t%e alle.ed creditor re&ere$ced i$ your de(t collectio$ letter (see *x%i(it +)) (a) Proo& o& aut%ority: Please 7ro2ide me 5it% 2eri&ied (s5or$ to (y a&&ida2it) 7roo& o& your

aut%ority to re7rese$t t%e alle.ed creditor i$ t%is i$sta$t matter) (() #eal 7arty i$ i$terest: Please 2eri&y 5%o t%e real 7arty i$ i$terest is i$ t%is de(t collectio$ matter) (c) +lle.ed ori.i$al creditor. Please 7ro2ide me 5it% t%e $ame a$d address o& t%e alle.ed ori.i$al creditor i& di&&ere$t &rom t%e alle.ed creditor ide$ti&ied i$ your a(o2e me$tio$ed de(t collectio$ letter. (d) +lle.ed ori.i$al a.reeme$t: Please 7ro2ide me 5it% a 2eri&ied (s5or$ to (y a&&ida2it) co7y, (ot% &ro$t a$d (ac4, o& t%e alle.ed ori.i$al a.reeme$t a$d a$y ot%er alle.ed ori.i$al security i$strume$ts i$ t%eir e$tirety, i$cludi$. t%e allo$.e , a&&ixed to t%e ori.i$al alle.ed a.reeme$t &or e$dorseme$ts. aid a&&ida2it is to (e s5or$ to (e true, correct, com7lete, a$d $ot misleadi$., (y a 7ro7erly ide$ti&ied a$d aut%oriBed o&&icer o& t%e alle.ed creditor, 5%o states t%at %e or s%e %as 7erso$al 4$o5led.e (Federal #ules o& *2ide$ce C-F#*/D #ule :?<) o& t%e 2alidity o& said alle.ed ori.i$al docume$t(s). (i) "$s7ectio$ o& docume$t(s). Please 7ro2ide me 5it% t%e date, time, a$d 7lace co$2e$ie$t to (C"TY, T+T*), t%at " ca$ 7erso$ally i$s7ect t%e a(o2e alle.ed ori.i$al a.reeme$t a$d a$y ot%er alle.ed ori.i$al security i$strume$ts i$ t%eir e$tirety rele2a$t to t%e a(o2e alle.ed de(t. (ii) Custodia$ o& docume$t(s). Please 7ro2ide me 5it% t%e $ame, title, a$d address o& t%e $atural 7erso$ custodia$ o& t%e alle.ed ori.i$al a.reeme$t a$d o& a$y ot%er alle.ed ori.i$al security i$strume$ts. (iii) +ddress o& 7%ysical locatio$ o& docume$t(s). Please 7ro2ide me 5it% t%e address o& t%e 7%ysical locatio$ o& t%e alle.ed ori.i$al a.reeme$t a$d a$y ot%er alle.ed ori.i$al security i$strume$ts i& di&&ere$t &rom -(ii)/ a(o2e. (e) Holder i$ due course. Please 7ro2ide me 5it% 2eri&ied (s5or$ to (y a&&ida2it) e2ide$ce t%at t%e alle.ed creditor is t%e secured 7arty i$ t%e i$sta$t matter, i.e., %older i$ due course, a$d %as a 7er&ected security i$terest i$ t%e a&oresaid alle.ed a.reeme$t a$d alle.ed de(t) (&) Proo& o& Aalue Ei2e$: Please 7ro2ide me 5it% 2eri&ied (s5or$ to (y a&&ida2it) co7ies, (ot% &ro$t a$d (ac4, o& all docume$ts a$d records 5it% res7ect to t%e a&oresaid alle.ed a.reeme$t a$d alle.ed de(t &rom t%e (e.i$$i$., i$cludi$. (ut $ot limited to, a$y a$d all le$der issued ca$celled certi&ied c%ec4s,

cas%iers c%ec4s, mo$ey e=ui2ale$ts or similar i$strume$ts, ide$ti&ied as or e2ide$ci$. assets 7ro2ided (y t%e alle.ed creditor a$dFor t%e alle.ed ori.i$al creditor to me a$d i$dorsed (y me) (.) 'e7osit sli7 a$d ca$celled c%ec4: Please 7ro2ide me 5it% a 2eri&ied (s5or$ to (y a&&ida2it) co7y o& t%e de7osit sli7 &or t%e de7osit o& my alle.ed a.reeme$t i$ its e$tirety (y t%e alle.ed creditor associated 5it% t%e a(o2e alle.ed accou$tF&ile $um(er, a$d a 2eri&ied co7y o& t%e ca$celled c%ec4 issued (y t%e alle.ed creditor as 7ayor i$ 7ayme$t &or my alle.ed a.reeme$t i$ its e$tirety a$d a$y ot%er alle.ed related security i$strume$ts) (%) +&&ida2it o& de(t G dama.es: Please 7ro2ide me 5it% a$ a&&ida2it o& de(t a$d dama.es i$curred, s5or$ to (e true, correct, com7lete, a$d $ot misleadi$., (y a 7ro7erly ide$ti&ied a$d aut%oriBed o&&icer o& t%e alle.ed creditor, %erei$a&ter -a&&ia$t,/ u7o$ %is or %er 7erso$al 4$o5led.e (F#* #ule :?<) stati$.: (i) t%at t%e alle.ed creditor is, i$deed, t%e secured 7arty a$d %older i$ due course o& t%e a&oresaid alle.ed ori.i$al a.reeme$t i$ issue a$d %as a$ e$&orcea(le 7er&ected security i$terest t%erei$ 7ursua$t to a$d i$ com7lia$ce 5it% t%e 1$i&orm Commercial Code (-1.C.C./) <?>, ectio$ ;H<?@(6), a$d ("N *#T YO1# T+T* H*#*)) ectio$ ;H ectio$ ;H>?8, or e=ui2ale$t sectio$s o& t%e Commercial Code o&

(ii) t%at t%e alle.ed creditor 7ro2ided co$sideratio$ to me, t%e alle.ed de(tor, &rom t%e assets t%ey %ad o$ %a$d (e&ore t%e alle.ed credit 5as made, a$d i$curred a &i$a$cial loss u$der t%e &ull a$d com7lete alle.ed ori.i$al a.reeme$t a$d alle.ed de(t, a$d state eac% a$d e2ery loss t%at t%e alle.ed creditor %as i$curred to date u$der t%e alle.ed de(t i$ issue) a$d (iii) t%at a&&ia$t %as 7erso$al 4$o5led.e (F#* #ule :?<) re.ardi$. t%e &acts o& t%e alle.ed de(t a$d is t%e ori.i$al custodia$ o& t%e (oo4s o& e$try, or directly su7er2ises said ori.i$al custodia$ o& t%e records. (i) Boo44ee7i$. Iour$al F accou$t led.er e$tries: Please 7ro2ide me 5it% a 2eri&ied (s5or$ to (y a&&ida2it) co7y o& t%e com7lete set o& ori.i$al (oo44ee7i$. Iour$al F accou$t led.er e$tries associated 5it% my alle.ed a.reeme$t a$d alle.ed &ileFaccou$t $um(er usi$. Ee$erally +cce7ted +ccou$ti$. Pri$ci7les 7er 6< 1. .C. 9 6J>6$, s%o5i$. all de(its a$d credits a$d ide$ti&yi$. t%e source(s) a$d amou$t o& t%e credit &u$dsFassets) Note: T%e 2eri&yi$. a&&ida2it o& Iour$al F accou$t led.er (oo44ee7i$. e$tries is to (e com7leted (y t%e ori.i$al custodia$ o& t%e (oo4s a$d records, s5or$ to (e true, correct, com7lete, a$d $ot misleadi$.. Furt%er, said a&&ida2it s%all co$tai$ 7ositi2e ide$ti&icatio$ o& t%e custodia$, a$d state t%at %e or s%e %as 7erso$al 4$o5led.e (F#* #ule :?<) o& said e$tries.

(4) +ssi.$me$t co$tract: "& a77lica(le, 7lease 7ro2ide me 5it% 2eri&ied (s5or$ to (y a&&ida2it) 7roo& o& a$ assi.$me$t co$tract i$ its e$tirety o& t%e alle.ed ori.i$al a.reeme$t a$d t%e alle.ed de(t i$ issue &rom a$ alle.ed ori.i$al creditor, as assi.$or, to t%e alle.ed creditor, as assi.$ee. (l) Proo& o& aut%ority: Please 7ro2ide me 5it% a 2eri&ied (s5or$ to (y a&&ida2it) co7y o& t%e co$tract your &irm %as 5it% t%e alle.ed ori.i$al creditor 5%ic% aut%oriBes your &irm to e$.a.e i$ collectio$ acti2ities o$ t%eir (e%al& a.ai$st t%e a(o2e alle.ed accou$t, a$d $ami$. you as a$ aut%oriBed collectio$ a.e$t F claims adIuster. (m) Certi&icatio$ o& aut%ority: Please 7ro2ide me 5it% a 2eri&ied (s5or$ to (y a&&ida2it) certi&icate o& aut%ority &rom t%e certi&icate. ($) Form 6?>8: Please 7ro2ide me 5it% 'e7artme$t o& t%e Treasury Form 6?>8 Custodia$ o& 'ocume$ts attac%ed or associated 5it% my alle.ed ori.i$al a.reeme$t a$d For t%e $ame a$d address o& said custodia$ 7er -(()(ii)/ a(o2e) (o) Form 6?;;: Please 7ro2ide me 5it% 'e7artme$t o& t%e Treasury Form 6?;; Ori.i$al "ssue 'iscou$t &or eac% year t%e alle.ed creditor 5as %older i$ 7ossessio$ o& t%e alle.ed ori.i$al a.reeme$t) (7) Ae$dor sales sli7sF2ouc%ers: Please 7ro2ide me 5it% 2eri&ied (s5or$ to (y a&&ida2it) co7ies o& all ori.i$al sales sli7sF2ouc%ers &rom all alle.ed 2e$dors co2eri$. all alle.ed tra$sactio$s i$ t%e a(o2e re&ere$ced &ileFaccou$t &rom its i$ce7tio$ to date. Note: T%is Notice o& 'is7ute is $ot a re=uest &or co$&irmatio$ t%at you %a2e mere 7%otoco7ies o& alle.ed docume$ts. " am re=uesti$. ONKY A*#"F"*' 'OC1,*NT+#Y *A"'*NC* i$ 2alidatio$ o& t%e alle.ed de(t 7ursua$t to t%e F'CP+. :. 3ar$i$.: T%at all your commu$icatio$s a$d omissio$s 5ill (e made a 7art o& a$d i$cor7orated i$to a$y liti.atio$ arisi$. &rom t%is matter. L. Time is o& t%e esse$ce) re7ly deadli$e: T%at time is o& t%e esse$ce, t%ere&ore, " exte$d to you, #i.%t3ay, t%irty (>?) days &rom t%e date o& your recei7t o& t%is Notice o& 'is7ute to 7er&orm i$ com7lia$ce 5it% 2eri&yi$. t%e alle.ed de(t as re=uested a(o2e 7er F'CP+ ma$dates. " 5ill co$sider a reaso$a(le exte$sio$ o& timeMo$ly &or t%e 7roductio$ o& 2eri&ied docume$tsMs%ould you $eed more t%a$ t%e t%irty (>?) days i& you re=uest it i$ 5riti$. to t%e address (elo5. Your tate o& XXXXXXXX aut%oriBi$. your com7a$y to tra$sact (usi$ess i$ t%e tate 'e7artme$t o& Commerce a$d "$sura$ce state o& XXXXXXXXXXX a$d a 7%otoco7y o& your

&ailure to 7er&orm as %erei$ re=uested 5ill s%o5 (ad &ait% a$d 5ill esta(lis% t%e &act t%at you are usi$. a(usi2e, dece7ti2e, &alse, a$d u$&air collectio$ tactics a.ai$st me as a co$sumer. Furt%ermore, i& you remai$ sile$t to t%is re=uest or are u$a(le to 2eri&y t%e de(t as a(o2e, t%e le.al co$ce7ts o& esto77el (y ac=uiesce$ce a$d tacit admissio$ 5ill come i$to 7lay 5%ere(y t%e alle.ed de(t 5ill (e admitted i$2alid, a $ullity, a$d u$e$&orcea(le, a$d t%ere(y re7udiated i$ its e$tirety a( i$itio . "$ t%e i$terim, you are 7ro%i(ited &rom a$y co$tact 5it% me, t%e u$dersi.$ed, exce7t i$ 5riti$., a$d o$ly i$ re.ards to t%e matters %erei$ ex7ressed. +ll de(t collectio$ acti2ityM i$cludi$. liti.atio$M is to cease 7er F'CP+ 9 6:;<.(() -N t%e de(t collector s%all cease collectio$ o& t%e de(t, or a$y dis7uted 7ortio$ t%ereo&, u$til t%e de(t collector o(tai$s 2eri&icatio$ o& t%e de(tN/ J. ,a$datory re7ly to u$dersi.$ed: T%at all o& t%e a(o2e dema$ded 2eri&ied e2ide$ce, s5or$ to (y a com7ete$t 5it$ess 7er F#* #ule :?<, s%ould (e se$t to me, ("N *#T YO1# N+,*), t%e u$dersi.$ed, as i$dicated at t%e address (elo5 5it%i$ t%e a(o2eHme$tio$ed t%irty (>?) days &rom your recei7t o& t%is Notice o& 'is7ute. Please do $ot se$d a$y re7ly corres7o$de$ce to me at a$y ot%er mail locatio$ exce7t as &ollo5s: e$d to: YO1# N+,* YO1# +''#* C"TY, T xxxxx

;. *x%i(its: +ll ex%i(its attac%ed to t%is Notice o& 'is7ute are i$cor7orated (y re&ere$ce %erei$. 6?. " %ere(y elect +r(itratio$ as 7er t%e Cardmem(er +.reeme$t, 5%ic% 5ai2es (ot% 7arties ri.%ts to liti.atio$ to settle a$y dis7utes (et5ee$ us. (OOOOO Aiolatio$s i& Bottom Feeder 7ursues liti.atio$ O6???) 66. +ll Calls to %ome, 5or4, cell 7%o$e are i$co$2e$ie$t a$d " re=uest all corres7o$de$ce to (e made (y 1 ,ail., 1 P etc

i.$ed 5it% reser2atio$ o& all ri.%ts, By: PPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPPP "N *#T YO1# N+,* *$closures: *x%i(it + M Co7y o& xxFxxF<?xx de(t collectio$ letter