[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Recipient's Name] [Recipient's Address] [City, State, ZIP] Subject: Notice of Objection to Secure Claim — [Case Number] Dear [Recipient's Name], I am writing to formally object to the secure claim made against me in the aforementioned case. To ensure a fair and transparent process, I kindly request that you consider the following points: 1. Identification of the Claim: Please provide a detailed description of the secure claim, including the type of debt, the originating creditor, and any relevant account or reference numbers. This will help establish clarity and avoid any confusion. 2. Verification of Debt: Pursuant to the Fair Debt Collection Practices Act (FD CPA) and the Oregon Consumer Debt Collection Practices Act (OCD PA), I request that you provide ample documentation and evidence supporting the validity and accuracy of the claimed debt. This includes copies of the original agreement, itemized statements, transaction history, and any other supporting documentation. 3. Statute of Limitations: It is crucial to consider the statute of limitations applicable to the claimed debt. In Oregon, the statute of limitations for most written contracts and open accounts is six years from the date of the last activity or payment. If the debt exceeds this timeframe, please be advised that any legal action would be time-barred. 4. Verification of Creditor's Authority: To ensure the proper party is attempting to collect the debt, I request that you provide proof of authorization from the original creditor. This may include an assignment or purchase agreement demonstrating your legal right to collect the debt in question. 5. Validation Notice: In accordance with federal and state laws, namely the FD CPA and the OCD PA, I request that you provide a timely validation notice demonstrating that you are indeed a licensed and bonded debt collection agency authorized to operate in the state of Oregon. This notice should include your license number, issuing agency, and contact information. 6. Cease and Desist Request: While this objection is pending, I kindly request that you cease all collection attempts, including calls, letters, and any other communication activities, in order to avoid any potential violation of my rights under the FD CPA and the OCD PA. Please be aware that failure to comply with my requests may result in legal action against your agency, including but not limited to filing complaints with the Consumer Financial Protection Bureau (CFPB) and the Oregon Department of Consumer and Business Services (DUBS), as well as pursuing any legal remedies available to me under state and federal laws. I expect a prompt response within [number of days, usually 30], acknowledging this notice and addressing the concerns raised herein. Failure to respond adequately will be considered a violation of my rights as a consumer, and I reserve the right to take appropriate legal action to protect my interests. Thank you for your attention to this matter. I trust that you will handle this objection in a fair and professional manner. Sincerely, [Your Name]
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Recipient's Name] [Recipient's Address] [City, State, ZIP] Subject: Notice of Objection to Secure Claim — [Case Number] Dear [Recipient's Name], I am writing to formally object to the secure claim made against me in the aforementioned case. To ensure a fair and transparent process, I kindly request that you consider the following points: 1. Identification of the Claim: Please provide a detailed description of the secure claim, including the type of debt, the originating creditor, and any relevant account or reference numbers. This will help establish clarity and avoid any confusion. 2. Verification of Debt: Pursuant to the Fair Debt Collection Practices Act (FD CPA) and the Oregon Consumer Debt Collection Practices Act (OCD PA), I request that you provide ample documentation and evidence supporting the validity and accuracy of the claimed debt. This includes copies of the original agreement, itemized statements, transaction history, and any other supporting documentation. 3. Statute of Limitations: It is crucial to consider the statute of limitations applicable to the claimed debt. In Oregon, the statute of limitations for most written contracts and open accounts is six years from the date of the last activity or payment. If the debt exceeds this timeframe, please be advised that any legal action would be time-barred. 4. Verification of Creditor's Authority: To ensure the proper party is attempting to collect the debt, I request that you provide proof of authorization from the original creditor. This may include an assignment or purchase agreement demonstrating your legal right to collect the debt in question. 5. Validation Notice: In accordance with federal and state laws, namely the FD CPA and the OCD PA, I request that you provide a timely validation notice demonstrating that you are indeed a licensed and bonded debt collection agency authorized to operate in the state of Oregon. This notice should include your license number, issuing agency, and contact information. 6. Cease and Desist Request: While this objection is pending, I kindly request that you cease all collection attempts, including calls, letters, and any other communication activities, in order to avoid any potential violation of my rights under the FD CPA and the OCD PA. Please be aware that failure to comply with my requests may result in legal action against your agency, including but not limited to filing complaints with the Consumer Financial Protection Bureau (CFPB) and the Oregon Department of Consumer and Business Services (DUBS), as well as pursuing any legal remedies available to me under state and federal laws. I expect a prompt response within [number of days, usually 30], acknowledging this notice and addressing the concerns raised herein. Failure to respond adequately will be considered a violation of my rights as a consumer, and I reserve the right to take appropriate legal action to protect my interests. Thank you for your attention to this matter. I trust that you will handle this objection in a fair and professional manner. Sincerely, [Your Name]
