a dv letter is requesting proof from them you owe what they say, usually just after a collection acount hits your mailbox or reports. if it's near falling off, sometimes it's best to let it die.
a foad letter is used when the alleged debt can't hit your reports because it's past sol, crtp, and doesn't meet fcra requiements.
here's one i liberated of the forum.
Mr. Scumbag :
I received a letter from your office on (DATE) over an alleged debt from (Year)with (Alleged Creditor/Utility Company). I have no knowlege about a past due amount owed to (Alleged Creditor/Utility Company).
Under (ENTER YOUR STATE) State Code the subject account has a (#)year limit for filing any legal action or collection.
The starting date of this statute of limitations being either, the date of the last mutual activity, or the date of first default with the ORIGINAL CREDITOR of the subject account. The ORIGINAL CREDITOR being VERIZON, which you stated in your dunning letter to me dated mm/dd/yyyy.
This notification is formal notice to you that any filing of such action by you, or your representatives or assigns, is therefore time-barred.
What you are attempting to do is clear, and continued collection activities, including reporting, verification or insertion of accounts, beyond their legal collection date, to any consumer credit reporting agency, may be considered extortion and/or fraud and subject to criminal as well as civil prosecution.
Please note that proof of your receipt of this notice may be used by me or my legal representative in further action.
Since this alleged debt is clearly past the legal time frame for continued collection activity, you will cease any further contact with me.
You are not to sell, transfer, assign, or share any information about me or this alleged debt with anyone else.
TYPED NAME
