my 1st two DV's.Figure I'd try 2 just for now while I'm learning the process
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.-Hi to all you FICO members who taught me that it is possible to fight back and climb out of debt.This is my first post but I've been reading through the forums for weeks -hours on end.
I've gained a little confidence now to post and maybe get some help from members.
My first DV is "Law Offices of Mitchell N.Kay" They sent a strange looking legal letter for $341.00 T-Moble.I'd send a PFD but weird thing is it's not on any of my CR's.So I should just DV them? I am prepared to pay if they verify correctly.
The 2nd DV is to Palisades Collections for a $104.00 ATT bill.I disputed it online at EX(before I knew about FICO forums) and it came back dispute resolved?They never contacted me about resolving anything.The bill was already payed to another CA in full.
I would just like to make sure that this is the correct DV letter to send to both or is it to lengthy or change anything,delete?I was'nt sure which one to use.I did edit it a bit.
Any advice would be greatly appreciated.
CA NAME
ADDRESS
ADDRESS
ADDRESS
ADDRESS
Re: Account Ref. # 1234567
To Whom It May Concern:
This letter is being sent to you in response to the enclosed document. 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.
This is a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you to include all of the following:
What the money you say I owe is for
Copies of any papers that show I agreed to pay what you say I owe
Verification or copy of any judgment, if applicable
Identify the original creditor
Proof that you are licensed to collect in my state by providing your license numbers and Registered Agent
Proof that your company owns the debt/or has been assigned the debt. (Proof showing you are legally entitled to collect this particular debt from me.) This is basic contract law.
Payment history to include: my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been added onto this debt and how you/they determined these fees. This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
A Copy of the original signed purchase order, contract, loan agreement and/or credit card application. This is also basic contract law.
Copies of any papers that show I agreed to pay what you say I owe
Verification or copy of any judgment, if applicable
Identify the original creditor
Proof that you are licensed to collect in my state by providing your license numbers and Registered Agent
Proof that your company owns the debt/or has been assigned the debt. (Proof showing you are legally entitled to collect this particular debt from me.) This is basic contract law.
Payment history to include: my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been added onto this debt and how you/they determined these fees. This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004..
A Copy of the original signed purchase order, contract, loan agreement and/or credit card application. This is also basic contract law.
At this time I will also inform you that if your offices report unvalidated or out-of-date information to any of the Credit Bureaus, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days investigating this information and to meet with my attorney.All future communications with me MUST be in writing and sent to the address noted in this letter by USPS. There is to be no telephone contact initiated by your offices to my home or to my place of employment. If your offices attempt telephone communication with me including but not limited to:
computer generated calls
calls and/or correspondence sent to or with any third parties
calls and/or correspondence sent to or with any third parties
I will view this as harassment and I will have no choice but to file suit.
Best Regards
