Send them the following letter to verify the debt... keep all copies of their original letter send it certified return receipt and regular mail its also suggested to include the certified mail number in the letter as additional proof it was certified, keep the signed certified post card as proof they received it..chances are they can't verify the debt and will stop harrising/ collection action
March 03, 2009
CERTIFIED MAIL, RETURN RECEIPT REQUESTED
Rip you off Collection agency
Po Box 666
Screwing you, state of
Re: The debt company named
Your File number: 000000
Dear Sir or Madam:
I am disputing the debt that your client claims is from "fill In the blank"
I have no idea who Rip you off Collection agency is; I am not in receipt of any documentation making me liable to any party. I am not in receipt of any documentation making any other party liable for any alleged debt of my own. I am not aware of any novation, nor have I agreed to any novation of any description.
Under 15 U.S.C. Section 1692 (G), this letter will also serve to dispute the validity of this debt, or any portion thereof. Therefore, within thirty (30) days of the date of this letter, you, or your client, need to provide the following information in order to validate the alleged debt:
1. The original contract between the original creditor, Re: The debt company named allegedly executed by me;
2. All transfer/assignment documents between the original creditor, Re: The debt company named, and your client, , and whatever other entities this alleged debt was transferred to before it reached your client. In addition to the transfer/assignment documentation, you must provide evidence that this specific alleged debt was part of any and all transfer/assignments; and
3. A Copy of Re: The debt company named the original creditor’s, alleged last billing statement (as defined by 15 U.S.C. 1637(b), supported by affidavit based on first hand knowledge of the original creditor.
Until or unless you can supply all of the above information, you are now on notice that you have no right to send me threatening letters or telephone calls and any further communication from you will constitute harassment, and I will take whatever steps necessary to insure that violation of this request will be forwarded to the appropriate governmental entities.
Very truly yours,