Pursuant to 15 USC 1692g (Sec. 809 of the Federal Debt Collection Practices Act), a debtor is allowed to challenge the validity of a debt that a collection agency states you owe to the creditor they represent. Use this form letter requires that the agency verify that the debt is actually the alleged creditor's and owed by the alleged debtor.
Title: San Jose California Letter Disputing Finance Charges, Interest, or Penalties on Alleged Debt and Seeking Validation from Collection Agency Introduction: In San Jose, California, creditors must abide by fair debt collection practices. As an alleged debtor, it is crucial to exercise your rights and ensure that the amount of finance charges, interest, or penalties being imposed on your alleged debt are valid. The following letter template can be used to dispute the charges and request a collection agency to validate the alleged debtor's obligation: [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Collection Agency's Name] [Collection Agency's Address] [City, State, ZIP] Subject: Request for Validation of Alleged Debt Dear [Collection Agency's Name], I am writing to formally dispute the finance charges, interest, and penalties that have been charged to me regarding the alleged debt referenced [Debt Reference Number/Account Number]. I have received your written communication dated [Date of the collection letter]. As an alleged debtor, I request that you provide me with the following information to validate the amount of the alleged debt: 1. Itemized breakdown of charges: — Clearly specify the principal amount of the debt — Accurate calculation of finance charges, interest, and penalties imposed — Provide documentation supporting the legitimacy of these charges 2. Proof of agreement or contract: — Provide a copy of the original signed agreement or contract establishing my liability to pay the alleged debt — Highlight any clauses entitling the imposition of additional charges 3. Chain of ownership: — Disclose the complete history of ownership and assignment of the alleged debt — Provide evidence of authorization for the collection agency to act on behalf of the original creditor 4. Verification of creditor's authority: — Furnish documentation that confirms the creditor's license to operate in San Jose, California — Provide the creditor's contact information, including name, address, and phone number I request that you provide the requested information within 30 days of receipt of this letter, as outlined in the Fair Debt Collection Practices Act (FD CPA). Should you fail to validate the alleged debt or provide the requested information, I will consider this matter resolved and any attempt to collect on the debt will be deemed unlawful. Please note that until this matter is resolved, I request all communication related to this alleged debt be ceased. This includes telephone calls, emails, and written correspondence. I trust that you will comply with my request and conduct a thorough validation of the alleged debt. Failure to provide the requested information may result in legal action being taken to protect my rights as an alleged debtor. Thank you for your attention to this matter. I anticipate your prompt response. Sincerely, [Your Name] Alternative Versions: 1. San Jose California Letter Discussing Disputed Finance Charges, Interest, or Penalties on Alleged Debt and Requesting Confirmation from Collection Agency 2. San Jose California Letter Questioning the Validity of Imposed Finance Charges, Interest, or Penalties and Seeking Verification from Collection Agency.Title: San Jose California Letter Disputing Finance Charges, Interest, or Penalties on Alleged Debt and Seeking Validation from Collection Agency Introduction: In San Jose, California, creditors must abide by fair debt collection practices. As an alleged debtor, it is crucial to exercise your rights and ensure that the amount of finance charges, interest, or penalties being imposed on your alleged debt are valid. The following letter template can be used to dispute the charges and request a collection agency to validate the alleged debtor's obligation: [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Collection Agency's Name] [Collection Agency's Address] [City, State, ZIP] Subject: Request for Validation of Alleged Debt Dear [Collection Agency's Name], I am writing to formally dispute the finance charges, interest, and penalties that have been charged to me regarding the alleged debt referenced [Debt Reference Number/Account Number]. I have received your written communication dated [Date of the collection letter]. As an alleged debtor, I request that you provide me with the following information to validate the amount of the alleged debt: 1. Itemized breakdown of charges: — Clearly specify the principal amount of the debt — Accurate calculation of finance charges, interest, and penalties imposed — Provide documentation supporting the legitimacy of these charges 2. Proof of agreement or contract: — Provide a copy of the original signed agreement or contract establishing my liability to pay the alleged debt — Highlight any clauses entitling the imposition of additional charges 3. Chain of ownership: — Disclose the complete history of ownership and assignment of the alleged debt — Provide evidence of authorization for the collection agency to act on behalf of the original creditor 4. Verification of creditor's authority: — Furnish documentation that confirms the creditor's license to operate in San Jose, California — Provide the creditor's contact information, including name, address, and phone number I request that you provide the requested information within 30 days of receipt of this letter, as outlined in the Fair Debt Collection Practices Act (FD CPA). Should you fail to validate the alleged debt or provide the requested information, I will consider this matter resolved and any attempt to collect on the debt will be deemed unlawful. Please note that until this matter is resolved, I request all communication related to this alleged debt be ceased. This includes telephone calls, emails, and written correspondence. I trust that you will comply with my request and conduct a thorough validation of the alleged debt. Failure to provide the requested information may result in legal action being taken to protect my rights as an alleged debtor. Thank you for your attention to this matter. I anticipate your prompt response. Sincerely, [Your Name] Alternative Versions: 1. San Jose California Letter Discussing Disputed Finance Charges, Interest, or Penalties on Alleged Debt and Requesting Confirmation from Collection Agency 2. San Jose California Letter Questioning the Validity of Imposed Finance Charges, Interest, or Penalties and Seeking Verification from Collection Agency.
