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CREDIT REPAIR CHAMPION,LLC.BUSINESS FUNDING & CONSULTING
Cease and Desist Request***This is a great letter to stop harassing phone calls from the collection agency. This letter is called Cease and desist letter. The letter will stop debt collection agency from calling and harassing you demanding money. According to theFair Debt Collection Practices Act, after this letter is received by the collection agency, all feature communications have to be done by mail only. Send this letter via Certified Mail.
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DATE: [TodaysDate][RecipientName][RecipientAddress][RecipientCityStatePostalCode]Re: Cease and Desist Request[ItemNameAccount#]
To Whom It May Concern:I am requesting that you cease and desist with your efforts to collect on the debt referenced above. I wish to deal with the original creditor and not a collect
ion agency.1) You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.2) You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing acomplaint with the Federal Trade Commission and the Attorney General\\\'s office.3) Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.4) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit a
gainst you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.5) Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.Give this matter the attention it deserves!Sincerely,[CustomerFirstName] [CustomerLastName][CustomerSSN][CustomerDOB][CustomerAddress][CustomerCityStatePostalCode]
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________________________ Collection Agency Inquiry Dispute***Use this letter to demand Collection Agency to delete an inquiry reported bythem to the Credit Bureaus.
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[RecipientName][RecipientAddress][RecipientCityStatePostalCode]
Dear Sir/Madam,During a standard review of my credit files from the three major Credit Reporting Agencies I was dismayed to find an inquiry posted by:[ItemNameAccount#]
As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The credit reporting agencies (CRA\'s) maintain that if the inquiry is on file then the companylisted did in fact view the consumer\'s record.I am writing this letter since the Fair Credit Reporting Act (FCRA), Title 15 U.S.C. § 1681 et. seq.) prohibits anyone to view a consumer report absent a \'permissible purpose\' (specifically see § 1681s-3(b)).Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than $1,000 (ONE THOUSAND DOLLARS), payable to the namelisted above, for the unnecessary time and expense I needed to spend on this matter.Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. §§ 1681n & 1681o which provide harsh penalties, inclu
ding statutory and punitive damages, costs and attorney\'s fees in appropriate cases, for non-compliance with the FCRA. I look forward to hearing from you to resolve this in an expeditious and amicable manner.
Sincerely,
[CustomerFirstName] [CustomerLastName][CustomerSSN][CustomerDOB][CustomerAddress][CustomerCityStatePostalCode]
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Collection Counter Offer*****Use this letter to makes an offer to a Collection Agency regarding a past debt. Your offer would be: If you pay the balance of your account in full, will they delete and remove the negative remark from your Credit Report? Make sure that you receive a written confirmation from the collection agency that will clearly state that the collection will be removed from your credit report after your payment.
To Whom It May Concern:Y truly wish for this account to be fully satisfied. With that said, Id like to make the following offer.[ItemNameAccount#]If I pay the balance of my account in full, will you then delete and remove thenegative remark from my Credit Report?If so, please mail me a letter confirming that you will delete or remove the negative item from my Credit Report.Thank you in advance for your time and consideration and we hope to hear from you soon.
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Sincerely,[CustomerFirstName] [CustomerLastName][CustomerSSN][CustomerDOB][CustomerAddress][CustomerCityStatePostalCode]
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________________________ Debt Settlement Payment for Deletion******If youd like to offer a payment to the collection agency in return for deleting the listing with all Credit Reporting Agencies, send this letter.
DATE: [TodaysDate][RecipientName][RecipientAddress][RecipientCityStatePostalCode]
Regarding:[ItemNameAccount#]
To Whom It May Concern:
It has come to my attention through the credit bureaus that you claim I owe a debt to your agency. Please accept this letter as my proposal that we resolve this matter for the amount set forth below. Note that this offer is not a renewed promise to pay nor does it constitute any agreement unless you sign and return it. Moreover, the offer is not a concession that the debt is even mine. Additionally, I have done some research on your firm and have concluded that your firm regularly purchases debts in the course of doing business.My research has also led me to believe that you hold all the rights to report the debt to the credit bureaus as you see fit, but that you also possess the ability to correct the item.As you know, Title 15 U.S.C. § 1692g of the \"The Fair Debt Collection Practices Act (FDCPA) provides in part:(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid thedebt, send the consumer a written notice containing--(1) the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to
the consumer by the debt collector; and(5) a statement that, upon the consumer\'s written request within the thirty-day period, the debt collector will provide the consumer with the name and addressof the original creditor, if different from the current creditor.In the event you do not accept my settlement offer, please accept this letter as notice of my dispute and my demand that you verify the purported debt as required by the FDCPA.All the above being said, I will pay your company [$ENTER DOLLAR AMOUNT HERE] as payment in full for the full satisfaction of this account. In return, your company will modify the entry on my credit reports to Paid, no late payments. You fu
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rther agree to remove all previous notation of delinquency. This settlement offer shall expire at the close of business on the 15th day following the date of this letter.If you concur with these terms please acknowledge with your signature and return the signed letter to me. Also in exchange for the above-referenced payment, you agree that the terms herein are confidential and you have the authority to make such decisions.Upon receipt of this signed, unaltered, acknowledgment, I will mail you funds within five business days via Priority Mail. Again, this is not a renewed promiseto pay but is merely a conditional offer to settle.Sincerely,
[CustomerFirstName] [CustomerLastName][CustomerSSN][CustomerDOB][CustomerAddress][CustomerCityStatePostalCode]
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Debt Validation After Getting a Telephone Call
******Use this letter after you have received a phone call from a Collection Agency demanding money. This letter requests collection agency to Validate the amount of money they claim you owe, show how they calculated the amount of money they claim you owe, provide copies of any documents proving your agreement to suchdebt and proof that their licensed in your state, and provide you with their license number
DATE: [TodaysDate][RecipientName][RecipientAddress][RecipientCityStatePostalCode]Re: Validation and Proof of Claim
[ItemNameAccount#]To Whom It May Concern:
This letter is sent in response to the telephone call I recently received from you in connection with the above-referenced matter. Be advised this is not a refusal to pay, but a notice pursuant to the Fair Debt Collection Practices Act, (FDCPA) Title15 U.S.C. § 1692g that your claim is disputed and validation is requested.This is NOT a request for \'verification\' or proof of my mailing address, but rather a request for validation pursuant to the above referenced federal law. I request that you provide me with competent evidence that I have a legal obligation to you for a debt. Specifically, please provide me the following:1. An explanation of what the amount owed is for and how it was incurred;
2. An explanation of how this amount was calculated;3. Copies of any documents that show I agreed to pay this amount;4. A verification or copy of any judgment if applicable;5. An identification of the original creditor;6. Proof that the Statute of Limitations has not expired on the account;7. Proof that you are licensed to collect in my state; and8. Your license numbers and Registered Agent documentation.In the event you or your agents have reported or have caused to be reported inaccurate information to any of the three major credit bureaus (Equifax, Experian,or TransUnion) such action may be a violation of state and/or federal law. Moreo
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ver, if any negative reference is placed on any of my credit reports by your company or the company that you represent, or resulting adverse action is taken against me, I will not hesitate to initiate legal action against you for violationof the Fair Credit Reporting Act (FCRA) Title15 U.S.C. §1681, et. seq., the FDCPAor other applicable statute (specifically see 15 U.S.C. §§1681n and 1681o as well as 15 U.S.C. § 1692g). As you may well know, should I prevail under these statutes I may be entitled to statutory and exemplary damages as well as costs and fees.I the event you are able to substantiate this debt through the production of documentation I have requested, I require a minimum of 30 days from the date of myreceipt to investigate the information you have provided. In any case, during this validation period all collection activity by you must cease and any action is taken that could be considered harmful to my credit, is a violation of law andmay result in the immediate initiation of legal action. As you know, failure torespond to this request within 30 days from the date of your receipt requires you to delete all references to this account from my credit file and a copy of such deletion must be sent to me immediately.Moreover, pursuant to 15 U.S.C. § 1692c, I formally request that you and your representatives do not contact me by telephone. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be consideredharassment and I will instruct my attorney to proceed with legal action. All future communication with me must be in writing and sent to the address noted in this letter by mail. This letter is an attempt to correct your records and any information obtained shall be used for that purpose only.
Sincerely,
[CustomerFirstName] [CustomerLastName][CustomerSSN][CustomerDOB][CustomerAddress][CustomerCityStatePostalCode]
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________________________ Debt Validation Aggressive FDCPA****This is an aggressive debt validation request that references Federal Statute - Fair Debt Collection Practices Act. This is a simple debt validation letterrequesting proof of debt, contract bearing signature, as well as proof of collection agencys authority in that matter. If the collection agency cannot proof thedebt validity, collection agency cannot demand or collect it from you.
DATE: [TodaysDate][RecipientName][RecipientAddress][RecipientCityStatePostalCode]
Re: Validation and Proof of Claim[ItemNameAccount#]
To Whom It May Concern:Thank you for your recent letter in which you claimed that I owe [Creditor\'s Name]. I accept your offer to pay this amount upon your validation of this purported debt. As you must know, I am entitled under the Fair Debt Collection Practices Act (FDCPA) to demand such validation. Specifically, Title 15 U.S.C. § 1692g provides, among other things:(a) Notice of debt; contents
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Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid thedebt, send the consumer a written notice containing--(1) the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed tothe consumer by the debt collector; and(5) a statement that, upon the consumer\'s written request within the thirty-day period, the debt collector will provide the consumer with the name and addressof the original creditor, if different from the current creditor.Please consider this letter as my demand that you verify the item pursuant to Section 1692g. Additionally, please produce certified copies of the initial debt and legible copies of all original contracts/instruments and all documentation with my signature that purportedly renders me liable for the purported debt.Your have 30 days to produce the required documentation. During this validationperiod and proof of claim, if any action is taken which could be considered detrimental to any of my credit reports, said action will be considered a violation;
this includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.Furthermore, if your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to thisaccount must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please be advised that your failure to produce the Validation and Proof of Claim within 30 days, will prove your correspondence appears to be a scheme devised for obtaining money under false pretenses and will be dealt with accordingly. Specifically, as you know Title 15 U.S.C. §§ 1692e & 1692f make it a violation for you to make false representations or engage in unfair practices, respectively and such actions may subject you to fees, costs and damages as set forth in Title 15 U.S.C. § 1692k.
I am insisting here in writing that no further telephone contact be made by your offices to my home or to my place of employment until this matter is resolved.If this request is denied, it will be considered harassment and I will have no other choice but to file suit. All future communications with me must be done inwriting and sent to the address noted in this letter.
Before I am compelled to take legal action, I suggest that you and your client assure that your records are accurate.Sincerely,
[CustomerFirstName] [CustomerLastName][CustomerSSN]
[CustomerDOB][CustomerAddress][CustomerCityStatePostalCode]
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________________________ Debt Validation FDCPA 1
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________________________ Debt Validation FDCPA 2
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________________________ Debt Validation FDCPA 3
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________________________ Debt Validation Version 1
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++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++________________________________________________
________________________ Debt Validation Version 2
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________________________ Debt Validation Version 3
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________________________ Debt Validation Version 4
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________________________ Debt Validation Version 5
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________________________ Dispute Collection Included in Bankruptcy
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________________________ Dispute Collections Threat of Court
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________________________ Dispute Paid Collection
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++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++________________________________________________ ________________________ Do Not Call Letter
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Duplicate Collections - Duplicates
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________________________ Follow up Debt Validation No Response
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________________________ Follow up Debt Validation No Response to 3 Letter
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________________________ Follow up Debt Validation No Validation
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________________________ Follow Up Debt Validation With Threat
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________________________ Response to Computer Printout
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