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Sub: #1 Debt validation letter?
Replied on 09-07-2007, 04:24 AM
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At one point, I saw somewhere on here where someone had a copy and paste DV letter. Now I can't find it, naturally.

Can someone point one out to me? Thanks!

Eric




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Send message to goldenbast
Sub: #2
Replied on 09-07-2007, 05:04 AM
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There is lots of different validation letters. Here is a generic one I found designed for use when you get a letter and have 30 day window to dispute:::::



Quote:
Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on September 30, 2002). 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.

Best Regards,

Your Name


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Sub: #3 Thanks!
Replied on 09-10-2007, 05:14 AM
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Thanks for the post goldenblast, that is the one I was looking for.

Eric

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Sub: #4 RE: Debt Validation Letter
Replied on 09-10-2007, 05:24 AM
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Doesn't matter. We don't have to answer those letters because realistically, the law protects us. Truthfully, the debt doesn't even have to be yours, we'll still get money out of you.
Gregory M. Do not post, or solicit using your personal info..Bossy4455



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Send message to volleyballmom
Sub: #5
Replied on 09-10-2007, 09:27 AM
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Thanks Greg....there is also a sale on baseball bats and cement at WalMart. You should stock up.




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Send message to goldenbast
Sub: #6
Replied on 09-10-2007, 10:50 AM
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*snicker* *snicker* Good one VBmom! Do you ever wonder if they actually think before they write? Ever notice that the only people who say stupid things and sound like total mooks are those who claim to be collectors?



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Send message to volleyballmom
Sub: #7
Replied on 09-10-2007, 11:00 AM
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golden-exactly! and he keeps posting the same exact message on a bunch of these threads. I guess his talent is "cut and paste" ! Yea, he scares me

Anonymous
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Sub: #8
Replied on 09-10-2007, 11:03 AM
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Yuck it up ladies, you could be next on my collection list and when you call me, I'll just hang up on you.
And if you did your research you would see that most of the time what I said is true. Enjoy your life in la-la land, thinking you're helping others.



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Send message to volleyballmom
Sub: #9
Replied on 09-10-2007, 11:06 AM
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Who says we would even call you!




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Send message to goldenbast
Sub: #10
Replied on 09-10-2007, 12:41 PM
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Oh please please PLEASE have a 'account' with me!!! I can't WAIT to DV your butt then sit back and smirk while you violate my rights left and right and I take you to Texas court and get you for treble damages and then I will garnish YOUR paycheck!



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Sub: #11
Replied on 09-10-2007, 01:15 PM
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This is pretty funny....instead of being out collecting from people that dont owe him, he is on this board making comments.

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Send message to Punkteri
Sub: #12
Replied on 09-10-2007, 01:27 PM
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Greg,

Why would anyone call YOU? You are the "collector", shouldn't YOU be making the calls! I forgot your just too busy posting stupid comments!




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Send message to goldenbast
Sub: #13
Replied on 09-10-2007, 01:30 PM
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What I want to know is how is he going to know if me or VBmom called him? What? His magic telepathic Collector's Cap lets him devine that the lady he is talking to is Goldenbast? Heheh.

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Send message to Punkteri
Sub: #14
Replied on 09-10-2007, 01:35 PM
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He is obviously a few cans short of a six pack!



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Send message to volleyballmom
Sub: #15
Replied on 09-10-2007, 01:35 PM
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No kidding..."oh yes greg, I'm calling you because I dont owe you but I think its so cool that you collect from people illegally" How cool is that? :P




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Send message to DOLLARSandSINCE
Sub: #16
Replied on 09-10-2007, 01:39 PM
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I doubt the real Gregory, a licensed attorney would waste his time posting that garbage Gregory especially with their name, address and phone number attached to it.

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