That makes sense. I'm considering sending them this letter: This letter is being sent to you in response to a notice sent to me on MArch 25, 2010. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. I dispute the validity of the debt, and am requesting your full validation of the alleged debt. Following is, at a minimum, what I need from you as validation of your collection activities under the FDCPA. First, please provide me with a copy of the most recent letter of assignment or ownership upon which you base you authority to Notice me for your collection activities. Second, upon receipt of proof of your legal authority to act with respect to this matter, I further request full verification of the original debt asserted by the original creditor. Specifically, I request disclosure of the name and address of the original creditor upon whom this activity allegedly originated, and a copy of the original signed agreement between that creditor and myself. Third, I request verification of the complete amount of the currently asserted indebtedness. I again request that this verification come directly from the creditor, and not merely from an itemization from your files. I do not consider records from your files as being sufficient for this purpose. Statements from the original creditor are essential. Further, if you are have added any additional charges to the amount of the alleged original debt, such as your fees, additional interest or penalties, or any legal fees, I request specific itemization of all such asserted debts and fees as your full disclosure of my asserted current liability. See FTC Opinion Letter, 3/10/93, available at www.ftc.gov/statutes/fdcpa/letters/wollman.htm, and federal court precedent, e.g., Fields v. Wilber (7th Cir 2004). In summary, this is a request for full validation under section 809 of the FDCPA. Upon receipt of this letter, I demand that you fully cease any and all collection activities, including reporting to the Credit Reporting Agencies, until such time as you have provided the required verification and validation. Sincerely, My Name Any comments would be greatly appreciated. I'm new at this....and am affraid I will screw something up. 