Sample Credit Repair Deletion Letter No. 2 | Validate Debt From a Collector
|
Recommended
Credit Repair Guides
|
| Legally
Remove Derogatory Accounts bankruptcies, slow pays, collections, tax liens, judgments, evictions, etc See Credit Secrets Bible |
| Sample
Dispute or Deletion Letters that don’t get “red flagged” like 94% of what the credit bureaus get. Info not found on the web or taught by any other credit repair course See Credit Secrets Bible |
| Overwhelmed
with Debt Use 5 unique letters to pay off bills for 35-cents on the dollar. Avoid BK, avoid hiring a debt consolidation service See Credit Secrets Bible |
| Sue
Your Creditors Use the Law. Get even with stubborn creditors, collection agencies. Collect $1,000s in fines Good Credit Is Sexy |
| Get
Rid of Debt Collectors Add Seasoned Credit in 45 Days STOP Foreclosure or recover a home after foreclosure See Credit Secrets Bible |
| Validation letters are a good method to get a derogatory
account removed However, a letter like this one reads like you got it right out of a credit repair kit and your letter could wind up in the “frivolous” dispute letter stack. Even with a better written letter, the challenge is what do you do when the collector does not respond? He’s banking on the fact that you don’t know the law and will just give up. What do you do next? What’s your leverage? How can you get rid of the collector all together? You would know the answer to these questions and get step-by-step instruction if you had The Credit Secrets Bible |
<Your name and address>
<Collection agency name and address here>
<Date>
Re: Account #______ / Original Creditor's Name
To whom it may concern:
Thank you for your request inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.
Be advised that I am not requesting a "verification" that you have my mailing address. I am requesting "validation," i.e., competent evidence that I have some contractual obligation to pay you.
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communcation with me.
Your failure to satisfy this request within the requirements of the Fair Debt Collections Practices Act will be construed as your absolute waiver of any and all claimes against me, and your tacit agreementto compensate me for costs and attorney's fees.
Sincerely,
<Your signature>
<Print your name here>
<Your SSN here>
Commercial Property Purchase for your business operation - buy with just 10% down payment
