Chicago Illinois Sample Letter to Foreclosure Attorney - Fair Debt Collection - Failure to Provide Notice

• Category: Letters - Legal - Foreclosures
• State: Multi-State
• City: Chicago
• Control #: US-0510LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Foreclosure Attorney's Law Firm] [Address] [City, State, ZIP] Subject: Fair Debt Collection — Failure to Provide Notice Regarding Foreclosure Proceedings Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing to address a serious matter regarding the foreclosure proceedings against my property at [Property Address], the details of which are as follows: Loan Account Number: [Loan Account Number] Property Address: [Property Address] I recently received a notification from your law firm representing the lender, [Lender's Name], indicating that foreclosure proceedings have been initiated against me. However, I must assert that I have not received a proper notice of foreclosure as required by the Fair Debt Collection Practices Act (FD CPA) to enable me to exercise my legal rights and seek appropriate remedies. Under the FD CPA, it is essential to provide borrowers with written notice of their rights and any impending foreclosure actions. The required notice should specifically detail the following: 1. The nature and extent of the alleged default on my loan. 2. The specific amount of the alleged default. 3. The right to dispute the debt's validity within 30 days upon receiving a written debt validation notice. 4. The right to request a verification of the debt pursuant to the FD CPA. 5. The right to request a complete breakdown of the debt and detailed information about any additional fees, costs, or charges associated with the foreclosure. 6. The possible options available to resolve the default, such as loan modification, forbearance, or other loss mitigation programs. 7. Contact information for a designated person or department who can address any concerns or inquiries. Despite my diligent efforts to review all correspondence received, I could not locate any documentation that fulfills the aforementioned requirements. Therefore, I kindly request that you provide me with the following documents and information within 30 days of receiving this letter: 1. A copy of the notice of foreclosure sent to me that should include the specific details stated above. 2. Proof of delivery or other evidence of receipt of the notice of foreclosure by me. 3. Verification that the lender has complied with all requirements of the FD CPA and any other applicable statutes or regulations pertaining to foreclosure proceedings. Please be advised that failure to promptly send the required documents and demonstrate compliance with relevant laws may result in legal action taken against the lender and your law firm. I am committed to protecting my rights as a borrower and ensuring full adherence to fair debt collection practices. I would appreciate your immediate attention to this matter. You can reach me through the contact information provided above should you require any additional information. Thank you for your prompt action in addressing this concern. I look forward to your prompt response within the specified timeframe. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Foreclosure Attorney's Law Firm] [Address] [City, State, ZIP] Subject: Fair Debt Collection — Failure to Provide Notice Regarding Foreclosure Proceedings Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing to address a serious matter regarding the foreclosure proceedings against my property at [Property Address], the details of which are as follows: Loan Account Number: [Loan Account Number] Property Address: [Property Address] I recently received a notification from your law firm representing the lender, [Lender's Name], indicating that foreclosure proceedings have been initiated against me. However, I must assert that I have not received a proper notice of foreclosure as required by the Fair Debt Collection Practices Act (FD CPA) to enable me to exercise my legal rights and seek appropriate remedies. Under the FD CPA, it is essential to provide borrowers with written notice of their rights and any impending foreclosure actions. The required notice should specifically detail the following: 1. The nature and extent of the alleged default on my loan. 2. The specific amount of the alleged default. 3. The right to dispute the debt's validity within 30 days upon receiving a written debt validation notice. 4. The right to request a verification of the debt pursuant to the FD CPA. 5. The right to request a complete breakdown of the debt and detailed information about any additional fees, costs, or charges associated with the foreclosure. 6. The possible options available to resolve the default, such as loan modification, forbearance, or other loss mitigation programs. 7. Contact information for a designated person or department who can address any concerns or inquiries. Despite my diligent efforts to review all correspondence received, I could not locate any documentation that fulfills the aforementioned requirements. Therefore, I kindly request that you provide me with the following documents and information within 30 days of receiving this letter: 1. A copy of the notice of foreclosure sent to me that should include the specific details stated above. 2. Proof of delivery or other evidence of receipt of the notice of foreclosure by me. 3. Verification that the lender has complied with all requirements of the FD CPA and any other applicable statutes or regulations pertaining to foreclosure proceedings. Please be advised that failure to promptly send the required documents and demonstrate compliance with relevant laws may result in legal action taken against the lender and your law firm. I am committed to protecting my rights as a borrower and ensuring full adherence to fair debt collection practices. I would appreciate your immediate attention to this matter. You can reach me through the contact information provided above should you require any additional information. Thank you for your prompt action in addressing this concern. I look forward to your prompt response within the specified timeframe. Sincerely, [Your Name]