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Monday, October 19, 2009

Collector Letters #2 Disputing Debts that You Believe are Still Invalid

 Part 2 of the collector letter series. Disputing Debts that You Believe are Still Invalid

Your Name
Home Address
Phone Number

Attention: {name of collector}
Name of Agency
Agency Address
Account Number: {account or reference number}
Dear Mr. /Ms.
This letter is to inform you that I still dispute this debt. After receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine.

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as "still in dispute" I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt.
I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
Signature just above printed name
Your Printed Name

Mr. Dangerfield is an I.A.P.D.A Certified Debt Specialist whom has worked in the finance industry for over a decade. He manages and is the author of "A Dangerfield Manifesto" and co-founder of SMG Holdings, the parent company of Squad Music Group, Dangerfield Artistic Entertainment SMG Publishing and Taboo Dangerfield Publishing
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