Collection Dispute Letters By Credit Repair Champion Llc Business Funding & Consulting

CREDIT REPAIR CHAMPION,LLC. BUSINESS FUNDING & CONSULTING Cease and Desist Request ***This is a great letter to stop harassing phone calls from the collection agen cy. This letter is called Cease and desist letter. The letter will stop debt col lection agency from calling and harassing you demanding money. According to the Fair Debt Collection Practices Act, after this letter is received by the collect ion agency, all feature communications have to be done by mail only. Send this l etter via Certified Mail. ________________________________________________________________________________ ________________________________________________________________________________ ____ DATE: [TodaysDate] [RecipientName] [RecipientAddress] [RecipientCityStatePostalCode] Re: Cease and Desist Request [ItemNameAccount#] To Whom It May Concern: I am requesting that you cease and desist with your efforts to collect on the de bt referenced above. I wish to deal with the original creditor and not a collect ion agency. 1) You are hereby notified under provisions of Public Laws 104-208, also known a s the Fair Debt Collection Practices Act, that your services are no longer desir ed. 2) You and your organization must CEASE & DESIST all attempts to collect the abo ve debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General\\\'s office . 3) Let this letter also serve as your warning that I may utilize telephone recor ding devices in order to document any telephone conversations that we may have i n the future. 4) Furthermore, if any negative information is placed on my credit bureau report s by your agency after receipt of this notice, this will cause me to file suit a gainst you and your organization, both personally and corporately, to seek any a nd all legal remedies available to me by law. 5) Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor. Give this matter the attention it deserves! Sincerely, [CustomerFirstName] [CustomerLastName] [CustomerSSN] [CustomerDOB] [CustomerAddress] [CustomerCityStatePostalCode] ________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Collection Agency Inquiry Dispute ***Use this letter to demand Collection Agency to delete an inquiry reported by them to the Credit Bureaus. ________________________________________________________________________ DATE: [TodaysDate]

[RecipientName] [RecipientAddress] [RecipientCityStatePostalCode] Dear Sir/Madam, During a standard review of my credit files from the three major Credit Reportin g Agencies I was dismayed to find an inquiry posted by: [ItemNameAccount#] As you no doubt are aware, the credit reporting agencies regard inquiries as a s tatement of fact and will not allow a consumer to dispute them. The credit repor ting agencies (CRA\'s) maintain that if the inquiry is on file then the company listed did in fact view the consumer\'s record. I am writing this letter since the Fair Credit Reporting Act (FCRA), Title 15 U. S.C. § 1681 et. seq.) prohibits anyone to view a consumer report absent a \'permis sible purpose\' (specifically see § 1681s-3(b)). Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than $1,000 (ONE THOUSAND DOLLARS), payable to the name listed above, for the unnecessary time and expense I needed to spend on this mat ter. Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. §§ 1681n & 1681o which provide harsh penalties, inclu ding statutory and punitive damages, costs and attorney\'s fees in appropriate c ases, for non-compliance with the FCRA. I look forward to hearing from you to re solve this in an expeditious and amicable manner. Sincerely, [CustomerFirstName] [CustomerLastName] [CustomerSSN] [CustomerDOB] [CustomerAddress] [CustomerCityStatePostalCode] ________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++________________________________________________________________ ________ Collection Counter Offer *****Use this letter to makes an offer to a Collection Agency regarding a past d ebt. Your offer would be: If you pay the balance of your account in full, will t hey delete and remove the negative remark from your Credit Report? Make sure tha t you receive a written confirmation from the collection agency that will clearl y state that the collection will be removed from your credit report after your p ayment. To Whom It May Concern: Y truly wish for this account to be fully satisfied. With that said, I d like to m ake the following offer. [ItemNameAccount#] If I pay the balance of my account in full, will you then delete and remove the negative remark from my Credit Report? If so, please mail me a letter confirming that you will delete or remove the neg ative item from my Credit Report. Thank you in advance for your time and consideration and we hope to hear from yo u soon.

Sincerely, [CustomerFirstName] [CustomerLastName] [CustomerSSN] [CustomerDOB] [CustomerAddress] [CustomerCityStatePostalCode] ________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Debt Settlement Payment for Deletion ******If you d like to offer a payment to the collection agency in return for dele ting the listing with all Credit Reporting Agencies, send this letter. DATE: [TodaysDate] [RecipientName] [RecipientAddress] [RecipientCityStatePostalCode] Regarding: [ItemNameAccount#] To Whom It May Concern: It has come to my attention through the credit bureaus that you claim I owe a de bt to your agency. Please accept this letter as my proposal that we resolve this matter for the amount set forth below. Note that this offer is not a renewed pr omise to pay nor does it constitute any agreement unless you sign and return it. Moreover, the offer is not a concession that the debt is even mine. Additionall y, I have done some research on your firm and have concluded that your firm regu larly purchases debts in the course of doing business. My research has also led me to believe that you hold all the rights to report th e debt to the credit bureaus as you see fit, but that you also possess the abili ty to correct the item. As you know, Title 15 U.S.C. § 1692g of the \"The Fair Debt Collection Practices A ct (FDCPA) provides in part: (a) Notice of debt; contents Within five days after the initial communication with a consumer in connection w ith the collection of any debt, a debt collector shall, unless the following inf ormation is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-(1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of th e notice, disputes the validity of the debt, or any portion thereof, the debt wi ll be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing with in the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment aga inst the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer\'s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. In the event you do not accept my settlement offer, please accept this letter as notice of my dispute and my demand that you verify the purported debt as requir ed by the FDCPA. All the above being said, I will pay your company [$ENTER DOLLAR AMOUNT HERE] as payment in full for the full satisfaction of this account. In return, your comp any will modify the entry on my credit reports to Paid, no late payments. You fu

rther agree to remove all previous notation of delinquency. This settlement offe r shall expire at the close of business on the 15th day following the date of th is letter. If you concur with these terms please acknowledge with your signature and return the signed letter to me. Also in exchange for the above-referenced payment, you agree that the terms herein are confidential and you have the authority to make such decisions. Upon receipt of this signed, unaltered, acknowledgment, I will mail you funds wi thin five business days via Priority Mail. Again, this is not a renewed promise to pay but is merely a conditional offer to settle. Sincerely, [CustomerFirstName] [CustomerLastName] [CustomerSSN] [CustomerDOB] [CustomerAddress] [CustomerCityStatePostalCode] ________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Debt Validation After Getting a Telephone Call ******Use this letter after you have received a phone call from a Collection Age ncy demanding money. This letter requests collection agency to Validate the amou nt of money they claim you owe, show how they calculated the amount of money the y claim you owe, provide copies of any documents proving your agreement to such debt and proof that their licensed in your state, and provide you with their lic ense number DATE: [TodaysDate] [RecipientName] [RecipientAddress] [RecipientCityStatePostalCode] Re: Validation and Proof of Claim [ItemNameAccount#] To Whom It May Concern: This letter is sent in response to the telephone call I recently received from y ou in connection with the above-referenced matter. Be advised this is not a refu sal to pay, but a notice pursuant to the Fair Debt Collection Practices Act, (FD CPA) Title15 U.S.C. § 1692g that your claim is disputed and validation is requeste d. This is NOT a request for \'verification\' or proof of my mailing address, but r ather a request for validation pursuant to the above referenced federal law. I r equest that you provide me with competent evidence that I have a legal obligatio n to you for a debt. Specifically, please provide me the following: 1. An explanation of what the amount owed is for and how it was incurred; 2. An explanation of how this amount was calculated; 3. Copies of any documents that show I agreed to pay this amount; 4. A verification or copy of any judgment if applicable; 5. An identification of the original creditor; 6. Proof that the Statute of Limitations has not expired on the account; 7. Proof that you are licensed to collect in my state; and 8. Your license numbers and Registered Agent documentation. In the event you or your agents have reported or have caused to be reported inac curate information to any of the three major credit bureaus (Equifax, Experian, or TransUnion) such action may be a violation of state and/or federal law. Moreo

ver, if any negative reference is placed on any of my credit reports by your com pany or the company that you represent, or resulting adverse action is taken aga inst me, I will not hesitate to initiate legal action against you for violation of the Fair Credit Reporting Act (FCRA) Title15 U.S.C. §1681, et. seq., the FDCPA or other applicable statute (specifically see 15 U.S.C. §§1681n and 1681o as well as 15 U.S.C. § 1692g). As you may well know, should I prevail under these statutes I may be entitled to statutory and exemplary damages as well as costs and fees. I the event you are able to substantiate this debt through the production of doc umentation I have requested, I require a minimum of 30 days from the date of my receipt to investigate the information you have provided. In any case, during th is validation period all collection activity by you must cease and any action is taken that could be considered harmful to my credit, is a violation of law and may result in the immediate initiation of legal action. As you know, failure to respond to this request within 30 days from the date of your receipt requires yo u to delete all references to this account from my credit file and a copy of suc h deletion must be sent to me immediately. Moreover, pursuant to 15 U.S.C. § 1692c, I formally request that you and your repr esentatives do not contact me by telephone. If your offices attempt telephone co mmunication with me, including but not limited to computer generated calls and c alls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All fut ure communication with me must be in writing and sent to the address noted in th is letter by mail. This letter is an attempt to correct your records and any inf ormation obtained shall be used for that purpose only. Sincerely, [CustomerFirstName] [CustomerLastName] [CustomerSSN] [CustomerDOB] [CustomerAddress] [CustomerCityStatePostalCode] ________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Aggressive FDCPA Debt Validation ****This is an aggressive debt validation request that references Federal Statut e - Fair Debt Collection Practices Act. This is a simple debt validation letter requesting proof of debt, contract bearing signature, as well as proof of collec tion agency s authority in that matter. If the collection agency cannot proof the debt validity, collection agency cannot demand or collect it from you. DATE: [TodaysDate] [RecipientName] [RecipientAddress] [RecipientCityStatePostalCode] Re: Validation and Proof of Claim [ItemNameAccount#] To Whom It May Concern: Thank you for your recent letter in which you claimed that I owe [Creditor\'s Na me]. I accept your offer to pay this amount upon your validation of this purport ed debt. As you must know, I am entitled under the Fair Debt Collection Practice s Act (FDCPA) to demand such validation. Specifically, Title 15 U.S.C. § 1692g pro vides, among other things: (a) Notice of debt; contents

Within five days after the initial communication with a consumer in connection w ith the collection of any debt, a debt collector shall, unless the following inf ormation is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-(1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of th e notice, disputes the validity of the debt, or any portion thereof, the debt wi ll be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing with in the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment aga inst the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer\'s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Please consider this letter as my demand that you verify the item pursuant to Se ction 1692g. Additionally, please produce certified copies of the initial debt a nd legible copies of all original contracts/instruments and all documentation wi th my signature that purportedly renders me liable for the purported debt. Your have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detr imental to any of my credit reports, said action will be considered a violation; this includes any listing of any information to a credit reporting repository t hat could be inaccurate or invalidated. Furthermore, if your offices fail to respond to this validation and proof of cla im 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. Please be advised that y our failure to produce the Validation and Proof of Claim within 30 days, will pr ove your correspondence appears to be a scheme devised for obtaining money under false pretenses and will be dealt with accordingly. Specifically, as you know T itle 15 U.S.C. §§ 1692e & 1692f make it a violation for you to make false representa tions or engage in unfair practices, respectively and such actions may subject y ou to fees, costs and damages as set forth in Title 15 U.S.C. § 1692k. I am insisting here in writing that no further telephone contact be made by your offices to my home or to my place of employment until this matter is resolved. If this request is denied, it will be considered harassment and I will have no o ther choice but to file suit. All future communications with me must be done in writing and sent to the address noted in this letter. Before I am compelled to take legal action, I suggest that you and your client a ssure that your records are accurate. Sincerely, [CustomerFirstName] [CustomerLastName] [CustomerSSN] [CustomerDOB] [CustomerAddress] [CustomerCityStatePostalCode]

________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Debt Validation FDCPA 1

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________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Debt Validation Version 1

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++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Debt Validation Version 2

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________________________________________________________________________________ ________________________________________________________________++++++++++++++++ ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++________________________________________________ ________________________ Dispute Collection Included in Bankruptcy

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