Pursuant to 15 USC 1692g (Sec. 809 of the Federal Debt Collection Practices Act), a debtor is allowed to challenge the validity of a debt that a collection agency states you owe to the creditor they represent. Use this form letter requires that the agency verify that the debt is actually the alleged creditor's and owed by the alleged debtor.
In Bronx, New York, individuals may find themselves faced with financial obligations they believe to be incorrect or unjust. One common scenario involves receiving a letter from a collection agency claiming that the alleged debtor owes a certain amount in finance charges, interest, or penalties. To challenge such claims, one can employ a Bronx New York Letter Denying that Alleged Debtor Owes the Amount of Finance Charges, Interest or Penalties being Charged on the Alleged Debt and Requesting a Collection Agency to Validate that Alleged Debtor Owes these Charges. When drafting this type of letter, it is crucial to include relevant keywords to clearly convey your intentions and concerns while ensuring it is well-structured and informative. Here is an example of the content you can include: [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Collection Agency Name] [Address] [City, State, ZIP Code] Subject: Request for Validation of Alleged Debt and Denial of Ownership of Finance Charges, Interest, or Penalties Dear Sir/Madam, I am writing in response to the collection notices I have received from your agency regarding a debt allegedly held by [Original Creditor's Name]. I hereby formally deny any ownership of the alleged debt, and I request that you provide validation for the claimed amount of finance charges, interest, or penalties. To ensure clarity and transparency throughout this matter, I kindly request that you comply with the requirements set forth by the Fair Debt Collection Practices Act (FD CPA). Per the aforementioned act, I am entitled to receive documented proof detailing the legitimacy of this debt, such as: 1. A complete account statement from the original creditor, including the initial amount borrowed, any interest accrued, and all subsequent charges. 2. Copies of any signed documentation or agreements bearing my signature, validating my consent and obligation to repay the alleged debt. 3. A clear breakdown of any finance charges, interest, or penalties imposed on the alleged debt, accompanied by a lawful explanation for their applicability. Furthermore, I expect you to cease any attempts to collect any amount associated with this alleged debt until proper validation is provided. Under the FD CPA, it is your responsibility to suspend all collection activities until the requested documentation is provided. Should you fail to comply with my request within the legally stipulated timeframe of 30 days from receiving this letter, I will have no choice but to consider the alleged debt illegitimate and take necessary actions to protect my rights. This may include filing complaints with the appropriate regulatory bodies, seeking legal representation, or pursuing any other available remedies. I am prepared to cooperate fully and resolve this matter promptly, provided that the validity of the alleged debt can be adequately substantiated as legally required. I trust that your agency, being well-versed in debt collection procedures, will handle this matter with the utmost professionalism and adherence to the law. Please ensure all future correspondence regarding this alleged debt is directed to the address provided above. Any contact made by phone or email will not be considered sufficient without supporting documentation. Thank you for your immediate attention to this matter. I anticipate a swift resolution and the provision of the requested validation as required by law. Sincerely, Your Full Name Keywords: Bronx New York, letter denying debt, finance charges, interest, penalties, collection agency, validate alleged debtor, Fair Debt Collection Practices Act, FD CPA, debt validation, account statement, signed documentation, cease collection activities, legally stipulated timeframe, regulatory bodies, legal representation, remedies, cooperation, substantiated, professionalism, adherence to the law, correspondence address.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
