| Stop Debt Collection Agency Calls |
| By Credit Federal |
Published
11/10/2008
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Collection Agencies
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You have the Right Under Federal Law to Stop Debt Collection Agency Calls
We all have debts. Some of us; for whatever reason (bad economy, high cost of living, etc), are unable to fulfill our debt obligations. But that doesn't give bill collectors the right to harass us, especially when we are already under tremendous stress just trying to make ends meet.
With one letter you can STOP COLLECTION AGENCY CALLS, and you can MAKE DEBT COLLECTORS PROVE YOU OWE THE DEBT, as well as MAKE DEBT COLLECTORS PROVE THEY ARE LICENSED TO COLLECT IN YOUR STATE.
It's quite possible that the collection agency calling you does not have possession of proof of the debt. If so, they cannot legally force you to pay. Also, they must be licensed to collect debts in your state. Hence, even if you are rather certain you owe the debt, it's worth the time to mail the Verfication letter below.
Sample letter to debt collector:
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Your Name (as appears on the bill or asked for in collector calls)
Your Street Address
Your City, Your State & Your Zip
Name of Collection Agency
Collection Agency Street Address
Their City, Their State & Their Zip
Date (of sending the letter)
Re: Acct # XXXX-XXXX-XXXX-XXXX (Enter the account number the collector refers to)
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me (or phoned to me) on ______________ (date of their letter/call). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for 'verification' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
- What the money you say I owe is for
- Explain and show me how you calculated what you say I owe
- Provide me with copies of any papers that show I agreed to pay what you say I owe
- Provide a verification or copy of any judgment if applicable
- Identify the original creditor
- Prove the Statute of Limitations has not expired on this account
- Show me that you are licensed to collect in my state
- Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
- Violation of the Fair Credit Reporting Act
- Violation of the Fair Debt Collection Practices Act
- Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Regards,
Your Signature
Your Printed Name
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More information and tools on how to deal with and to stop debt collection agency harassment:
Fight Collection Agency Harrassment and Your Rights
Statute of Limitations Debt Collection Act
Debt Collection Statute Of Limitation
Fake Phantom Debt Collectors
Debt Collection Agency Negotiation
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