Use this form to help you respond to a debt collector's validation letter. You can respond by disputing the debt or any portion of it, asking fthe debt collector to verify the amount or validity of the debt, or request the name and contact information of the original creditor.
If you respond in writing within the 30 day period, the debt collector must stop attempting to collect the debt, or any disputed portion, until they verify the debt and mail you a response.
This form also also includes follow-up letters in the even the debt collector does not respond or continues attmpting to collect the debt after you requested verification. Subject: Request for Verification of Debt in Response to Your Validation Letter — Oakland, Michigan Dear [Debt Collector's Name], I am writing in response to your recent validation letter regarding a debt that you claim I owe. I have received your initial communication, and I appreciate your efforts to clarify the details of this alleged debt. However, before proceeding further, I kindly request that you provide me with additional verification as outlined by the Fair Debt Collection Practices Act (FD CPA) and the laws of the State of Michigan. First and foremost, I would like to inform you that I am a resident of Oakland, Michigan, and this letter pertains to the specific regulations and processes applicable in this jurisdiction. It is essential that any documentation or correspondence be compliant with the relevant legal guidelines outlined by the State of Michigan and the FD CPA. To ensure the accuracy and legitimacy of the debt you claim I owe, I hereby request that you provide the following information: 1. Confirmation of Creditor and Original Creditor: Please provide the name, address, and contact details of the original creditor, as well as any subsequent assignees or purchasers of the alleged debt. Attach any relevant documentation, such as a contract or agreement, demonstrating my obligation to repay this debt. 2. Detailed Account Statement: Please furnish a comprehensive account statement, including the original amount owed, any fees or interest added, dates of transactions, and any payments made by me or on my behalf. A clear breakdown of the debt's origin and any subsequent modifications or adjustments is essential. 3. Verification of License: Confirm that you hold a valid debt collection license in accordance with the laws of the State of Michigan. Kindly provide the license number along with its expiration date. 4. Agreement to Cease Communications: Until such time as the requested information is provided and verified, I request that you cease all communication attempts regarding this debt, as permitted by the FD CPA. However, please note that this request does not absolve your responsibility to provide the requested verification. It is important to note that my intent in seeking this verification is not to dispute the validity of the debt. Rather, I seek only to ensure the accuracy of the information being reported and to protect my rights as a consumer under the applicable laws and statutes. I kindly ask that you acknowledge this request within 30 days of receiving this letter. Failure to provide the requested verification within this timeframe would require you to cease all collection efforts and remove any negative reporting from my credit file. Please note that any unresolved failure to comply with this request may result in additional legal actions as permitted by the FD CPA and Michigan state laws. Thank you for your attention to this matter. I look forward to receiving the requested verification promptly. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
Subject: Request for Verification of Debt in Response to Your Validation Letter — Oakland, Michigan Dear [Debt Collector's Name], I am writing in response to your recent validation letter regarding a debt that you claim I owe. I have received your initial communication, and I appreciate your efforts to clarify the details of this alleged debt. However, before proceeding further, I kindly request that you provide me with additional verification as outlined by the Fair Debt Collection Practices Act (FD CPA) and the laws of the State of Michigan. First and foremost, I would like to inform you that I am a resident of Oakland, Michigan, and this letter pertains to the specific regulations and processes applicable in this jurisdiction. It is essential that any documentation or correspondence be compliant with the relevant legal guidelines outlined by the State of Michigan and the FD CPA. To ensure the accuracy and legitimacy of the debt you claim I owe, I hereby request that you provide the following information: 1. Confirmation of Creditor and Original Creditor: Please provide the name, address, and contact details of the original creditor, as well as any subsequent assignees or purchasers of the alleged debt. Attach any relevant documentation, such as a contract or agreement, demonstrating my obligation to repay this debt. 2. Detailed Account Statement: Please furnish a comprehensive account statement, including the original amount owed, any fees or interest added, dates of transactions, and any payments made by me or on my behalf. A clear breakdown of the debt's origin and any subsequent modifications or adjustments is essential. 3. Verification of License: Confirm that you hold a valid debt collection license in accordance with the laws of the State of Michigan. Kindly provide the license number along with its expiration date. 4. Agreement to Cease Communications: Until such time as the requested information is provided and verified, I request that you cease all communication attempts regarding this debt, as permitted by the FD CPA. However, please note that this request does not absolve your responsibility to provide the requested verification. It is important to note that my intent in seeking this verification is not to dispute the validity of the debt. Rather, I seek only to ensure the accuracy of the information being reported and to protect my rights as a consumer under the applicable laws and statutes. I kindly ask that you acknowledge this request within 30 days of receiving this letter. Failure to provide the requested verification within this timeframe would require you to cease all collection efforts and remove any negative reporting from my credit file. Please note that any unresolved failure to comply with this request may result in additional legal actions as permitted by the FD CPA and Michigan state laws. Thank you for your attention to this matter. I look forward to receiving the requested verification promptly. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email 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.
