by plys » Tue Nov 22, 2011 7:09 pm
Here is one I have drafted and others have used on many occasions. You just need to fill in the blanks.
Date
From: [Name]
[Address]
[City, State, Zip]
To: [Name of collection agency]
[Address]
[City, State, Zip]
Subj: Validation of Debt
Ref: [insert account number]
To Whom it may concern:
This letter is to inform you that pursuant to Title VIII, Debt Collection Practices § 809 of the Federal Trade Commission and 15 U.S.C. § 1692g of the United States Code, I am hereby registering a formal
request for Validation of Debt.
The account in question listed as an installment account with [name of original creditor] and indicates an initial balance of [$ enter amount]. It is now currently being shown as a collection account with the past due amount of [$ enter amount] as of [insert date].
Unless legal proof and validation as defined in Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004. can be provided, I request you remove this derogatory entry with any credit reporting agencies that your organization has reported to immediately to avoid any possible legal recourse on my behalf pursuant to 15 U.S.C. § 1692k.
Respectfully Submitted
________[signature]_________________
[printed name]