Subject: Urgent Request for Verification of Debt and Cease Foreclosure — West Virginia Property [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Foreclosure Law Firm] [Address] [City, State, ZIP Code] Re: Loan Account Number: [Insert Loan Account Number] Property Address: [Insert Property Address] Dear [Foreclosure Attorney's Name], I hope this letter finds you in good health. I am writing to you today regarding the impending foreclosure action on my property in West Virginia. I am requesting your firm's immediate attention and cooperation to provide validation of the debt associated with my loan and to cease any foreclosure proceedings until the requested verification is provided. Furthermore, I have concerns regarding the validity and accuracy of the debt amount claimed by the lender, and believe it is my right as a borrower to receive verification of all debts associated with my mortgage. In light of this, I kindly request that your firm provide the following information in writing: 1. Valid Verification of Debt: I request that you provide me with detailed documentation explaining how the debt amount asserted by [Lender's Name] has been calculated, including any fees, interest, or other charges included in the debt. I specifically request a breakdown of principal balance, interest charges, late fees, and any other relevant costs applicable to my loan. 2. Loan Documentation: Please furnish me with a complete copy of the loan agreement, mortgage or deed of trust, and all addenda or modifications related to my mortgage. This information is crucial for me to verify the accuracy and legitimacy of the debt claimed against my property. 3. Chain of Title: I request a full account of the chain of title regarding my mortgage, including all assignments, transfers, or sales of the loan. It is essential for me to ensure that the entity initiating the foreclosure action possesses the legal authority to do so. 4. Proof of Default Notice: Please provide me with evidence of a proper default notice being sent to me, as required by West Virginia law. I need to confirm that the default notice was provided in accordance with all legal requirements. 5. Cease and Desist Foreclosure: In accordance with the Fair Debt Collection Practices Act (FD CPA) and West Virginia law, I hereby request an immediate cessation of all foreclosure activities until the requested verification is provided. I kindly urge your cooperation to ensure compliance with these laws and protect my rights as a borrower. I would appreciate your prompt attention to this matter, as the anticipated foreclosure date is fast approaching. Please acknowledge receipt of this letter in writing within [timeline — suggest 15 days] as regulatebehalfFPAPAPA. Failure to provide the requested verification within the prescribed timeframe will result in my pursuing all available legal remedies to protect my rights. Thank you for your understanding and cooperation in this matter. I genuinely believe that by resolving these verification concerns, we can reach an equitable resolution and potentially avoid the arduous foreclosure process. Should you require any additional information or have any questions, please do not hesitate to contact me directly. Sincerely, [Your Name]
West Virginia Sample Letter to Foreclosure Attorney to Provide Verification of Debt and Cease Foreclosure
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