Hello all,
I had mentioned in another post that Certegy and Affiliated Group were attempting to collect a debt on me that I am disputing. I saw it on my credit report before it was validated. I asked for a DV from them and all I got was a one page printout that said it was an electronic check with amount and the NSF fee. It doesn't even list a date that the check was drawn. So I don't even know if this was a legitimate NSF or when I cancelled my Netflix account if they tried to draw another monthly fee. Anyway, here is the second letter that I am sending to ACS. Very strongly worded and for anyone's use of course. But just wanted some feedback from everyone first and see what you all think.

Dude - not to sound condescending but that was exceptionally well written. Hope you don't mind but I'm going to copy and paste this and use it as a template for letters I may have to write.

That's one reason I posted it. I know there are others out there who could use this letter.
Thanks

Outlaw,

Your letter is FABULOUS, strong, professional, clear and to the point. Thanks so much for sharing this as a template for others. I know how hard it is to create something like this from scratch, and I'm not a half-bad writer

There's one minor correction I'd make before sending it out. Take out the "that" that I bolded in the quote below.

"Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national Better Business Bureau. I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself."

So, if I'm careful and kind, can I contribute by editing/proofreading this kind of thing for for the community here? (Actually, that's how I'm earning what little income I have at the moment, so I have some skill to offer.) I'm not nearly as expert in debt matters as many other members, but I can help polish up letters that demand to be taken seriously.

Best and Happy Holidays to all.
I'm very happy and grateful that I found this community.

Diva

Glolf clap. Nice letter.

Hey, Outlaw

Could you post how you went looking for which CAs are licensed in Washington State? I'd really appreciate it. Because now I'm wondering if allied interstate is even licensed to collect here.

Oh, and one more minor edit if you're up for it.
I still think your letter is great. My brain just glomms on to grammatical irregularities, and I know they're not easy to spot in one's own work. Plus, I want to take away any potential excuses for a CA, their lawyers or, Heaven forbid, a judge to decide you're not worth taking seriously.

Best,
Diva

Suggestion #2: take out the bolded words below and add the underlined comma

"Under the provisions of state and federal Fair Debt Collection Practices Act (fdcpa), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt as, it is in my opinion, you have failed to validate this debt."

Or you could use "as it is my opinion that..."

Thanks for pointing out some of the grammatical errors. Don't mind it if you do point them out.
I found out who could collect in the State of WA by going to the States Department of Revenue web site. From there I was able to look in a section called business record database or something like that. Then I just typed in the name of the business and it would come up with a current business license, no information or an expired business license as is the case with this CA I'm dealing with. I bet most states would have a similar web site either through the Dept. of Revenue or a link from the State Attorney General's Office web site.
Happy hunting

Great Letter.I needed to see it,now I can have some quidence for letters I need to send thax

__________________
karen