RE: (Account # of Debt Owed,
Customer Name & Type of Debt)
Dear (Mr. Debt Collector),
I am responding to your letter
dated (dd-mm-yyyy) in reference to the collection
of the above debt (Account # of Debt Owed).
This letter is also in reference to your phone
call on (dd-mm-yyyy).
The debt that you have charged
against me is invalid and I am therefore disputing
it. I am 100% aware of my rights under the Fair
Debt Collection Practices Act (FDCPA) and have
also checked with my local state department
regarding the matter. I have also checked with
my State Attorney General that the Statute of
Limitations Period you had to enforce the collection
of this debt against me in the courts is OVER.
Therefore incase you take this debt collection
case to the courts, I will dispute it and let
the Judge know that the Statute of Limitations
period is over.
Consider this letter as your
formal notice that I would like this matter
to be closed or actually, demand this matter
to be closed. I also demand that you or any
debt collection parties working with you STOP
calling me regarding this debt collection.
You should know that I will
be taping any more phone calls received from
you and report you to the Federal Trade Commission
and to my State Attorney General. If I receive
a harassing debt collection phone call from
you, remember you can be charged up to $1000
per every harassing phone call. You should also
know that I am willing to take whatever necessary
legal action to protect my rights as a consumer.
(Your Printed Name)