Subject: Request for Verification of Debt and Cessation of Foreclosure Proceedings — Urgent Matter [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Attorney's Firm Name] [Address] [City, State, ZIP Code] Re: Verification of Debt and Immediate Cessation of Foreclosure Proceedings — Loan/Account Number: [Insert Loan/Account Number] Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing to address an urgent matter pertaining to the pending foreclosure proceedings on my property, [Property Address]. Recently, I received a Notice of Intent to Foreclose from your firm, as the legal representatives for the mortgage lender. This notice has raised concerns about the validity of the debt and the accuracy of the foreclosure initiation. As an ethical practice governed by the Fair Debt Collection Practices Act (FD CPA) and the statutes of New Hampshire, it is within my rights as a homeowner to request a full and complete verification of the debt in question. Therefore, I kindly request that you provide the following documents and information: 1. Validation of the Debt: a) A complete and detailed breakdown of the principal loan amount, including any interest, fees, or charges applied to the account. b) Copies of all relevant documentation regarding the mortgage, note, security agreement, and any subsequent loan transfers or assignments. c) Evidence demonstrating your client's legal right to initiate foreclosure proceedings, such as proof of ownership of the mortgage and note or proof of authority to act on their behalf. 2. Verification of the Accuracy of the Debt: a) A comprehensive loan history that includes all payments made, any escrow account details, and any additional charges or fees applied to the loan over its lifetime. b) Validated proof that my account has been kept up to date with appropriate and accurate records of all transactions. It is essential that all requested information be provided within thirty (30) days from the date of this letter. Failure to comply with this request may result in further legal action. I assert my rights under both federal and state laws to be informed about the legitimacy of the debt before any further foreclosure proceedings continue. Moreover, I respectfully request an immediate halt to the foreclosure proceedings while this verification process is carried out. My aim is to resolve this matter amicably and avoid unnecessary litigation or damage to both parties involved. Please acknowledge receipt of this letter within five (5) business days and inform me of the steps being taken to address my request. Your prompt attention within the given timeframe will be greatly appreciated. Kindly address all correspondence regarding this matter to the following mailing address or email address: [Your Mailing Address] [Your Email Address] Thank you for your immediate attention to this matter. I trust that your professionalism and compliance with applicable laws will prevail throughout this process. I hereby reserve all rights and remedies available to me under the law. Sincerely, [Your Name]
New Hampshire Sample Letter to Foreclosure Attorney to Provide Verification of Debt and Cease Foreclosure
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FAQ
Generally, you should send a debt validation request if you're contacted by a collection agency and you don't recognize the debt. Send a validation request within 30 days of receiving contact from a collection agency, otherwise, they'll assume the debt is valid and can legally continue to contact you about it.
If you feel you've been contacted in error, send a letter disputing a debt in writing. Ask the agency to stop contacting you. If the agency can't provide proof, you owe the money, by law, they must stop collection efforts. If you don't owe the bill, don't pay anything ? ever.
A debt validation letter should include the name of your creditor and how much you owe, The letter will include information about when you need to pay the debt and how to dispute it.
While debt validation requests can be a useful tool, they are not effective at resolving the issue. In most cases, creditors and collection agencies are able to provide the necessary documentation to prove the validity of the debt.
In this article, ?debt validation letter? means the initial notice a debt collector must send you under federal law, and ?debt verification letter? means a letter you send to the debt collector to request more information and/or to dispute the debt.
If you've already paid the debt If you're sure that you're talking with a legitimate debt collector, you can send copies of documents that prove you made the payments, including cancelled checks or credit card statements. You may also include copies of any correspondence about settling the debt.
