Request for Debt Validation with Threat to File Lawsuit

[Credit Expert]

Free Debt Letter: Request for Debt Validation with Threat to File Lawsuit



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To Whom It May Concern,

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.

In addition to the questionnaire below, please attach copies of:

- Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.

- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State and Federal authorities ,the Better Business Bureau and State Attorney General, consumer protection agencies, and bar association for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,



John Consumer








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