Chicago, Illinois Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act: [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collection Agency Name] [Address] [City, State, ZIP] Subject: Letter to Debt Collector Re Fair Debt Collection and Practices Act Dear [Debt Collector's Name], I am writing to you regarding the Fair Debt Collection and Practices Act (FD CPA) and my rights as a consumer. I recently received a communication from your agency regarding a debt that is allegedly owed by me. Before we proceed any further, I request that you provide me with the necessary information and take appropriate actions in accordance with the FD CPA regulations. First and foremost, I would like to request validation of the debt as required by Section 809(b) of the FD CPA. Please note that this request is not an acknowledgment of the validity of any alleged debt but rather an effort to ensure that I am fully informed regarding its nature and accuracy. I expect you to provide the following information: 1. The amount of the alleged debt and its origin. 2. Documentation proving that I am responsible for the debt. 3. The name and address of the original creditor. 4. Verification regarding whether the statute of limitations on this debt has expired. 5. Proof that your agency is licensed to collect debts in [Chicago, Illinois]. I am aware that under the FD CPA, you are required to provide me with the requested information within 30 days from receiving this letter. Until you have provided me with the requested documents, I request the following: 1. Stop any further communication with me, directly or indirectly, regarding the alleged debt. 2. Cease any attempt to collect the debt until the required validation has been provided. 3. Refrain from reporting any negative information about this debt to credit reporting agencies. Please be aware that any failure to comply with my requests or any violation of the FD CPA regulations may result in legal action against your agency. I am well-informed of the protections provided by the FD CPA and will not hesitate to exercise my rights if necessary. I urge you to handle this matter promptly, professionally, and in compliance with the FD CPA. Failure to do so will only result in unnecessary legal complications for your agency. Your cooperation and timely response are greatly appreciated. I look forward to receiving the validation of the debt and other requested documents within the specified timeframe. Please ensure that all future communications with me are conducted through mail only. Thank you for your attention to this matter. Sincerely, [Your Name]
Chicago Illinois Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act
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