Dear [Debt Collector's Name], Subject: Notice under the Fair Debt Collection Practices Act — Account No. [Account Number] I am writing to exercise my rights under the Fair Debt Collection Practices Act (FD CPA) in regard to the collection of a debt you claim I owe. According to the FD CPA, I have the right to dispute the validity of this debt within 30 days of receiving your initial communication. First and foremost, I request that you provide detailed written verification of this alleged debt. Under the FD CPA, I have the right to request this verification within 30 days of receiving your initial communication. This verification should include but is not limited to: the name and address of the original creditor, the amount owed, the date of default or last payment, and any other relevant documentation. I also request that you cease and desist all communication with me, except for providing the aforementioned verification of the debt. This means any calls, letters, or other forms of communication should be halted until the requested information is provided. Continued communication without providing the requested verification will be a violation of the FD CPA. Additionally, please take note of the following: 1. Proof of Original Creditor: Provide documentation that clearly identifies the original creditor and their contact information. This information is necessary to ensure that the alleged debt is indeed valid and has been assigned to you for collection. 2. Accurate Account Information: Please provide the full account number associated with the alleged debt, along with the current balance owed, any interest or fees added, and a detailed breakdown of how these amounts were calculated. 3. Validation of Debt: In accordance with the FD CPA, you must provide me with conclusive proof that I am responsible for the alleged debt. Some acceptable forms of validation include copies of the original contract, statements, or other documents supporting your claim. 4. Cease and Desist: As mentioned earlier, until the requested information and validation of the debt is provided, I ask that you cease all communication attempts. This includes phone calls, letters, emails, and any other form of communication. Please be aware that failure to comply with the FD CPA regulations outlined above may result in potential legal action being taken against you and your agency. Finally, I insist on all future communication being in writing, as mandated by the FD CPA. Should you choose to disregard this request, I will have no choice but to escalate this issue to the appropriate regulatory authorities and seek legal remedies. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Date]
Mississippi Sample Letter for Notice Under Fair Debt Collection Act
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How to fill out Mississippi Sample Letter For Notice Under Fair Debt Collection Act?
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FAQ
What do you include in a debt collection letter? The amount the debtor owes you, including any interest (attach the original invoice as well); The initial date of payment and the new date of payment; Clear instructions on how to pay the outstanding debt (banking details, etc);
Within five days after a debt collector first contacts you, it must send you a written notice, called a "validation notice," that tells you (1) the amount it thinks you owe, (2) the name of the creditor, and (3) how to dispute the debt in writing.
Collectors are required by Fair Debt Collection Practices Act (FDCPA) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes: The amount owed.
The letter typically includes the amount of debt, the date it was incurred, and consequences for non-payment like legal action or late fees. Debt collection letters are often the first step in the debt collection process.
The law makes it illegal for debt collectors to harass debtors in other ways, including threats of bodily harm or arrest. They also cannot lie or use profane or obscene language. Additionally, debt collectors cannot threaten to sue a debtor unless they truly intend to take that debtor to court.
Debt Validation Letter Example I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Collectors are required by Fair Debt Collection Practices Act (FDCPA) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes: The amount owed.
