Clean Credit Report Process Package
Clean Credit Report Process Package
Contents:
Contents:
Forward
Forward
Step 1-Validation Letter 1
Step 1-Validation Letter 1
Step 2-Validation Letter 2
Step 2-Validation Letter 2
Step 3
Step 3
Conclusion
Conclusion
Appendix (applicabl
Appendix (applicable laws)
e laws)
Note: a!e sure "ou read all steps care#ull" be#ore$and and #ollow
Note: a!e sure "ou read all steps care#ull" be#ore$and and #ollow
t$e steps exactl"% &'''& t$e
t$e steps exactl"% &'''& t$e ters o# t$e
ters o# t$e Con#identi
Con#identialit"
alit"
A*reeent "
A*reeent "ou si*ned ar
ou si*ned are applicable
e applicable to t$e Cle
to t$e Clean Credit &
an Credit &eport
eport
+rocess +ac!a*e%
FORWARD
FORWARD
,ear
,ear CLIENTCLIENT
Con*ratulations on ta!in* t$e steps needed to correct "our credit #ro predator" Con*ratulations on ta!in* t$e steps needed to correct "our credit #ro predator" lenders% .nside t$is pac!et "ou will #ind all steps easil" labeled in t$e order
lenders% .nside t$is pac!et "ou will #ind all steps easil" labeled in t$e order needed to coplete t$e process includin* t$e pre-written custo letters called needed to coplete t$e process includin* t$e pre-written custo letters called Validation Letter 1 and Validation Letter 2/ t$at
Validation Letter 1 and Validation Letter 2/ t$at you ill sendyou ill send t$rou*$ t$e 0S t$rou*$ t$e 0S +ostal Serice as Certi#ied ail wit$ &eturn &eceipt% $e Certi#ied ail wit$ +ostal Serice as Certi#ied ail wit$ &eturn &eceipt% $e Certi#ied ail wit$ &eturn &eceipt process and paperwor! can be #ound at "our local post o##ice% &eturn &eceipt process and paperwor! can be #ound at "our local post o##ice%
RE!E!"ER
RE!E!"ER t$e ters o# "our Con#identialit" Contract appl" to t$is process andt$e ters o# "our Con#identialit" Contract appl" to t$is process and all aterials (ot$er t$an letters speci#ied) contained in t$is pac!a*e are
all aterials (ot$er t$an letters speci#ied) contained in t$is pac!a*e are con#idential and #or t$e client
con#idential and #or t$e client ONL#ONL#%%
RE!INDER
RE!INDER:: Li$erty Aid PackageLi$erty Aid Package in#oration is proided #or boo!!eepin*in#oration is proided #or boo!!eepin* purposes #or t$ose wis$in* to reoe ites #ro t$eir credit report% 0nderstand purposes #or t$ose wis$in* to reoe ites #ro t$eir credit report% 0nderstand t$at wit$ identit" t$e#t rapant it a!es sense to be care#ul in "our boo!!eepin* t$at wit$ identit" t$e#t rapant it a!es sense to be care#ul in "our boo!!eepin* and to !now $ow to reoe ites placed #raudulentl" on a credit report%
and to !now $ow to reoe ites placed #raudulentl" on a credit report%
it$ t$e
it$ t$e Li$erty Aid PackageLi$erty Aid Package "ou will be epowered t$rou*$ t$e use o# steps "ou will be epowered t$rou*$ t$e use o# steps accordin* to Fair ,ebit Collection +ractices Act (F%,%C%+%A%) and learn $ow t$ese accordin* to Fair ,ebit Collection +ractices Act (F%,%C%+%A%) and learn $ow t$ese creditors #ailed to ta!e
creditors #ailed to ta!e t$e steps de#ined b" t$e steps de#ined b" law law #or reportin* ne*atiel" to #or reportin* ne*atiel" to "our"our credit report in t$e #irst place% $e Fair ,ebit Collection +ractices Act
credit report in t$e #irst place% $e Fair ,ebit Collection +ractices Act (F%,%C%+%A%) is t$e basis #or t$e creditor reoin*
(F%,%C%+%A%) is t$e basis #or t$e creditor reoin* #O%R #O%R debt%debt%
ut t$is is a tric!%
ut t$is is a tric!% .t is a tric! t$at can be repeated as an" t.t is a tric! t$at can be repeated as an" ties as needed toies as needed to ensure "our debt
ensure "our debt is reoed% is reoed% $at is $at is t$e tric!4 t$e tric!4 Suin* #or Suin* #or speci#ic per#orancespeci#ic per#orance 5 6ecause presentent was neer ade t$e debt is inalidated and t$e plainti 5 6ecause presentent was neer ade t$e debt is inalidated and t$e plainti####
ust write wit$in 37 da"s and record a satis#action o# lien and write t$e 3 credit ust write wit$in 37 da"s and record a satis#action o# lien and write t$e 3 credit reportin* a*encies noti#"in* t$e t$e debt $as been satis#ied%8
reportin* a*encies noti#"in* t$e t$e debt $as been satis#ied%8
All debts #ro all ban!s and #ractional resere lenders o# all !inds are coll
All debts #ro all ban!s and #ractional resere lenders o# all !inds are collectedected ille*all" due to t$e ori*inal note bein* wit$ t$e Federal &esere an! instead o# ille*all" due to t$e ori*inal note bein* wit$ t$e Federal &esere an! instead o# t$e lender%
t$e lender% 9nl" t$e 9nl" t$e ori*inal note $oldori*inal note $older is allowed er is allowed to collect to collect a debt% a debt% ust li!e ust li!e aa Federal &esere Note ust be in ori*inal #or or it is a counter#eit t$e sae Federal &esere Note ust be in ori*inal #or or it is a counter#eit t$e sae applies to "our note and "our lender does not $ae t$at note because t$e" applies to "our note and "our lender does not $ae t$at note because t$e" traded "our note #or #ederal resere notes not$in* was eer lent or borrowed% traded "our note #or #ederal resere notes not$in* was eer lent or borrowed% Loo! up ;older .n ,ue Course in lac!<s Law ,ictionar"%
Loo! up ;older .n ,ue Course in lac!<s Law ,ictionar"%
&epeat usin* ot$er statutes as "ou cost t$e =>? - =17? #or t$eir representation &epeat usin* ot$er statutes as "ou cost t$e =>? - =17? #or t$eir representation eer" tie%
eer" tie% .t basicall" .t basicall" costs "ou ncosts "ou not$in* or ot$in* or next to next to not$in*% not$in*% @ou are @ou are sipl"sipl" tr"in* to s$ow t$e sca o# t$e lender not $ain* t$e note and a!in* t$e pa" tr"in* to s$ow t$e sca o# t$e lender not $ain* t$e note and a!in* t$e pa" eac$ tie #or t$eir lie wit$ court and law"er #ees%
et "our credit report be#ore "ou start and a#ter "ou end t$e letters% $ese are eidence o# t$eir wron*doin*% No atter w$at t$e" ail "ou !eep *oin* t$rou*$ t$e process as an" ties as needed until t$e" initiate a settleent o##er and "ou a*ree to t$e ters o# t$e o##er%
9t$er statutes and codes to use instead o# t$e ones in t$e saple #ilin* #or #uture #ilin*s are #or exaple:
- ,ebt collector licensin* laws - 0cc lost note paperwor!
- State code #or #dcpa #cra #inancial #raud - An" code t$at $as a #ine t$at i*$t appl"
@ou are Bust *ettin* a #ine because all "ou are doin* is usin* a code or statute wit$ a #ine to *et t$e in t$e roo #or t$e speci#ic per#orance because "ou !now t$e" do not and neer possibl" can $ae t$e ori*inal note% 'idence o# a #ine is eidence o# copensator" and punitie daa*es #or later actions i# "ou so c$oose%
&TEP ONE
Send out t$e attac$ed Validation Letter 1% Send Validation Letter Certi#ied ail wit$ a return receipt to t$e creditor% (So "ou $ae proo# t$e" receied "our letter)
For an" response or no response #ro creditor wit$in 31 da"s a#ter date si*ned on t$e return receipt #ro t$e creditor t$en proceed to Step 2 and send t$e Validation Letter 2%
For docuentation purposes !eep all copies and si*ned receipts #ro creditors and note dates 'ere(
))))))))))))))))) Date o* deli+ery receipt o* Letter
,- And 31 da"s later is DDDDDDDDDDDDDDDDDDDDDDDDDDDD (calculate t'is date *ro. t'e date you recei+e t'e signed receipt *ro. t'e creditor/
CLIENT CLIENT ADDRE&& CREDITOR CREDITOR ADDRE&& Attn: 0n!nown ,ate:DDDDDDDDDDDDDDDDDDDDDDDDDDD
V.A: Certi#ied ail DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
Re: DE"T IN&TR%!ENT , in t$e a.ount 0DE"T A!O%NT ori*inall" dated DE"T IN&TR%!ENT DATE %
@ou are $ereb" in receipt o# notice under t$e aut$orit" o# t$e Fair ,ebt
Collections +ractices Act re*ardin* "our aboe re#erenced #ile nuber t$at part or all o# t$e alle*ed debt is ,.S+0', and $ereb" deand alidation and
eri#ication in writin* as #ollows:
1) An 9&..NAL si*ned contract and ot$er supportin* docuentation t$at *ae rise to t$e alle*ed obli*ation CREDITOR( is claiin* owed%
2) Stateent under penalt" o# perBur" t$at:
a% "our client is t$e bona#ide part" in interest o# t$e contract and will produce said 9&..NAL si*ned contract (1 aboe) #or " own and a Bud*e<s inspection
s$ould t$ere be a trial to contest t$ese atters%
b% t$e nae and address o# all persons corporations associations le*al #irs or an" ot$er parties and entities $ain* an interest in t$e collection or le*al
proceedin*s re*ardin* t$e alle*ed debt%
c% as a debt collector "ou $ae not purc$ased eidence o# debt and are proceedin* wit$ t$is collection actiit" solel" in t$e nae o# t$e ori*inal contractin* part"%
d% "ou !now and understand t$at certain clauses in a contract o# ad$esion are unen#orceable unless t$e part" to w$o t$e contract is extended could $ae selectiel" reBected t$e clause%
e% "ou will proide written eri#ication #ro t$e stated creditor t$at "ou are aut$oriEed to act on t$eir be$al# in t$is debt collection action%
#% CREDITOR( $as ta!en reasonable and prudent dili*ence to eri#" t$at t$e aount claied owed is in #act a le*itiate debt prior to insti*atin* t$is action and a!in* said clais and t$at all releant correspondence $as been reiewed prior to initiatin* t$is clai%
*% "ou will proe t$at "ou are t$e ori*inal creditor i# in #act "ou clai to be and t$at t$e 0nited States Federal &esere nor an" ot$er entit" besides "our
3) +roduction o# t$e account and *eneral led*er stateent s$owin* t$e #ull
accountin* o# t$e alle*ed obli*ation "ou are atteptin* to collect #ro e si*ned and sworn b" t$e person responsible #or aintainin* t$ese records and $ain* #irst-$and !nowled*e as to t$eir accurac" and aut$enticit" and able to testi#" under oat$ to t$at e##ect%
) 0nder t$e rut$ in Lendin* Act pursuant to 15 USC §§ 1601-1667j (#ull
disclosure) . $ae a ri*$t to !now w$o t$e true part" o# interest in t$is transaction is% As suc$ . a as!in* "ou to stipulate w$et$er "ou are t$e $older in due course #or " proissor" note% .# "ou are not t$e $older t$en "ou adit to bein* t$e sericer o# t$is obli*ation%
>) +lease also stipulate #or t$e record w$et$er or not " loan $as been securitiEed and i# so t$e nae o# t$e &'.CGrust " loan is bundled wit$% H) .# " loan $as been securitiEed t$en please proide e t$e poolin* and sericin* a*reeent t$at naes " loan as well as an" docuentation t$at explicitl" *ies "ou t$e ri*$t to serice " loan as well as en#orce t$e proissor" note in t$e eent o# a #oreclosure% .# "ou are $idin* t$ese #acts #ro " despite " reIuest t$en "ou are $ereb" noti#ied t$at "ou are coittin* #raud and s$all be naed in a wron*#ul #oreclosure ciil action%
J) +ursuant o# 0%C%C% - A&.CL' 3 -K3->71 (b) 2 (1) . a entitled to deand presentation o# t$e ne*otiable instruent% $at deand is $ereb" ordered% . deand t$at "ou present #or " isual inspection !# ORI1INAL WET IN2 &I1NAT%RE PRO!I&&OR# NOTE $is is reIuired to establis$ "our ri*$t o# en#orceent as ;older in ,ue Course ia a c$ain o# assi*nent as eidenced b" t$e Note% Claiin* to be t$e 6t$e $older in due course8 as a stateent is
insu##icient proo# o# status and isGwill be reBected% A p$otocop" o# t$e docuents is insu##icient proo# as it does not answer t$e Iuestion o# w$o C0&&'NL@ is t$e ri*$t#ul and law#ul $older in ,ue Course%
.# "ou are unable to proide t$is proo# as . $ae reIuested wit$in 37 da"s t$en you ad.it to not $eing a party o* interest and cannot ri*$t#ull" en#orce "our clai under 0%C%C % - A&.CL' 3 K 3-371% .# "ou are unable to proide t$is proo# as . $ae reIuested wit$in 37 da"s t$en "ou adit to not bein* a part" o#
interest and cannot ri*$t#ull" en#orce "our clai under 0%C%C% 5 A&.CL' 3 K 3-371%
) 0nder 0S Code .L' 1> M C;A+'& 1 M S0C;A+'& V M K 1H2* part b) t$is debt is now o##iciall" in dispute% " law all collection actiities ust cease until t$is atter is resoled% @ou are $ereb" *ien notice% latant disre*ard #or t$is law is subBect to #ines b" t$e FC% @ou are adised to consult le*al counsel on t$is atter%
17) . a *iin* "ou #oral notice t$at #ailure to respond to t$is letter t$rou*$ a eri#ied and alidated proo# o# clai wit$in 37 da"s as . $ae as!ed #or point *or point will be ta!en as an adinistratie de#ault%
+lease be adised% A COP# o* t'e said Note nor an A**ida+it o* Loss or any ot'er *or.s ill not $e accepta$le %
.n suar" please proide e t$e #ollowin*:
1%A stateent adittin* w$et$er "ou are t$e $older in due course or w$et$er "ou are a sericer%
2%A stateent adittin* w$et$er "ou $ae sold " note in a poolin* and sericin* a*reeent% $is is also !nown as securitiEation%
3%$e identit" o# t$e true $older in due course #or " loan% .# t$e loan $as been securitiEed t$e nae o# t$e &'.C " loan was sold to%
%$e C0S.+ nuber under w$ic$ " loan was securitiEed to%
>%a!e aailable #or isual inspection " ori*inal wet in! proissor" note (not a p$otocop")%
+lease contact e in writin* to arran*e #or an appropriate point o# inspection%
Liti*ation is er" expensie and s$ould be aoided at all cost% $is is " *ood #ait$ attept to resole t$is atter be#ore . a #orced to liti*ate a*ainst "our copan"% . a pleadin* wit$ "ou to resole t$is atter priatel" and ciill" as to a+oid $urdening our courts it' t'is .atter( I* I 'a+e to3 I ill see you in court( T'is is not an idle t'reat(
Contactin* e a*ain a#ter receipt o# t$is notice wit$out proidin* procedurall" proper alidation o# t$e alle*ed debt constitutes a sc$ee o# #raud b" adancin* a writin* t$at "ou !now or s$ould !now is #alse wit$ t$e intention t$at t$e courts andGor ot$ers rel" on t$e written counication to ipair or daa*e " credit ratin* " reputation " standin* in t$e counit" as well as intentionall"
in#lictin* #inancial and eotional $ar upon e% . ta!e t$is notice and " ri*$ts er" seriousl" and expect CREDITOR% to do t$e sae%
.n t$e eent t$at t$is debt is not alidated b" "ou as reIuired b" t$e Fair ,ebt Collections +ractices Act "ou $ae a le*al responsibilit" to terinate t$e clai and correct an" ne*atie credit reportin* w$ic$ a" $ae been ade in
connection wit$ t$is alle*ed debt% @ou a" want to obtain a le*al opinion on t$is but . beliee t$at would constitute a sc$ee o# #raud i# t$is debt were to be
resold/ assuin* t$at CREDITOR $as in #act purc$ased eidence o# debt in t$is atter%
. also will not respond to an" #uture correspondence w$ic$ is not si*ned or does not indicate w$o at "our #ir $as sent t$e deand #or pa"ent%
. expect tiel" responses to t$e aboe con#irations and t$at t$e" be ade in writin* and sent ia certi#ied ail to t$e address listed below% Alternatel" a letter #ro "our #ir t$at t$e atter $as been satis#ied and a cop" o# t$e letter "ou sent to all 3 credit reportin* a*encies as!in* t$e t$at an" aderse credit reportin* relatin* to t$is transaction to be expun*ed b" t$ese t$ree aBor credit reportin* a*encies iediatel"%
Sincerel"
&TEP 4
Step 2 is t$e sae as Step 1 except it is J da"s instead o# 31 da"s until t$e next step%
Send out t$e attac$ed Validation Letter 2% Send Validation Letter Certi#ied ail it' a return receipt to t'e creditor % (So "ou $ae proo# t$e" receied "our letter)
For an" response or no response #ro creditor wit$in J da"s a#ter date si*ned on t$e return receipt #ro t$e creditor t$en proceed to Step 3%
For docuentation purposes !eep all copies and si*ned receipts #ro creditors and note dates 'ere(
))))))))))))))))) Date o* deli+ery receipt o* Letter ,4
And J da"s later is DDDDDDDDDDDDDDDDDDDDDDDDDDDD (calculate t'is date *ro. t'e date you recei+e t'e signed receipt *ro. t'e creditor/
At t$is point a#ter sendin* Validation Letter 2 it is not unli!el" t$at t$e creditor will settle to reoe t$e ite #ro "our credit report t$ou*$ accordin* to t$e F%,%C%+%A% laws t$e" ust%
ut i# t$e" do settle at t$is point con*ratulations
.# t$e" dra* t$eir #eet and want to test "our coniction t$en step 3 is reIuired% ,o not be discoura*ed @ou are wit$in "our le*al ri*$ts and will be indicated% @ou can do t$is
CLIENT
CLIENT ADDRE&&
CREDITOR
CREDITOR ADDRE&&
,ate:DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
V.A: Certi#ied ail DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDD
Re: DE"T IN&TR%!ENT ,3 a.ount 0DE"T A!O%NT3 originally dated DE"T IN&TR%!ENT DATE(
$is letter is a #ollow up letter to t$e alidation reIuest letter preiousl" sent to "ou ia certi#ied ail%
$is letter is bein* sent to "ou in response to a listin* on " credit reports% $is notice is sent pursuant to t$e Fair ,ebt Collection +ractices Act 1> 0SC 1H2* Sec% O7 (b) t$at "our clai is disputed t$at "ou were reIuired to proide
alidation and t$at "ou are now in iolation o# Federal and State law because "ou did not proide proper alidation wit$in t$e reIuired tie #rae%
" preious letter to CREDITOR( ($ereina#ter PCollectorP) stated t$at . was
disputin* t$e aboe account and reIuestin* t$at Collector proide le*al alidation o# t$e alle*ed debt% . did not reIuest Peri#icationP or proo# o# " ailin*
address but a reIuest #or alidation ade pursuant to t$e aboe naed itle and Section% $e F,C+A states "ou ust cease collection actiit" until "ou $ae produced alidation o# t$e alle*ed debt i# so reIuested% As per t$e Federal rade Coission t$is includes reportin* to t$e credit bureaus w$ic$ Collector
obiousl" $as done ille*all"%
" law Collector ust alidate t$e debt and ust cease collection actiit" durin* t$e period Collector is alidatin* t$e alle*ed debt% At t$e end o# 37 da"s
Collector ust $ae eit$er proided t$e reIuired alidation or peranentl" cease collection actiit"% Additionall" Collector is reIuired b" law to noti#" credit
At t$is tie . will also in#or "ou t$at i# Collector $as reported inalidated in#oration to an" o# t$e 3 aBor Credit ureaus ('Iui#ax 'xperian or
rans0nion) t$is action a" constitute #raud under bot$ Federal and State Laws% ,ue to t$is #act i# an" ne*atie ar! is #ound on an" o# " credit reports b"
Collector or t$e client t$at "ou represent . will not $esitate in brin*in* le*al action a*ainst "ou and "our client #or t$e #ollowin* at a iniu:
1) Violation o# t$e Fair ,ebt Collection +ractices Act 2) ,e#aation o# C$aracter
Collector is surel" aware o# t$e conseIuences in iolatin* t$e Fair ,ebt
Collection +ractices Act as well as t$e ultiple iolations #or w$ic$ Collector is now responsible% .# not let e point t$e out #or "ou:
1% F,C+A K O7>% Counication in connection wit$ debt collection Q1>0SC1H2cR (c) Ceasin* Counication
2% F,C+A K O7% Validation o# debts Q1> 0SC 1H2*R
3% F,C+A K O13% Ciil liabilit" Q1> 0SC 1H2!R (a) 'xcept as ot$erwise proided b" t$is section an" debt collector w$o #ails to copl" wit$ an" proision o# t$is title wit$ respect to an" person is liable to suc$ person in an aount eIual to t$e su o#: (1) an" actual daa*e sustained b" suc$ person as a result o# suc$
#ailure/ (2) (A) in t$e case o# an" action b" an indiidual suc$ additional daa*es as t$e court a" allow but not exceedin* =1777%
$ere are local and state laws also t$at $ae been iolated and "ou will be $eld accountable #or t$ose iolations as well i# "ou do not reoe t$ese dero*ator" tradelines #ro t$e 3 credit reportin* a*encies%
e adised . $ae written reports #ro t$e aBor credit reportin* a*encies t$at s$ow Collector eri#ied t$e aboe account wit$ t$e durin* t$e period in w$ic$ Collector !new t$e account was in dispute and t$at . $ad reIuested alidation/ and t$at Collector did not report t$e account to t$e a*encies as bein* in dispute%
Collector #ailed to alidate t$e debt and ust now in accordance wit$ t$e Fair ,ebt Collection +ractices Act peranentl" cease all collection actiit" related to t$e aboe-re#erenced account%
. a in counication wit$ t$e t$ree aBor credit reportin* a*encies and $ae copies o# " consuer credit #iles% Collector $as not indicated to t$e credit
reportin* a*encies t$at t$is account is in dispute% $at is as . pointed out aboe a iolation o# t$e F,C+A%
@our #ailure to respond on a point b" point basis in writin* $and si*ned and in a tiel" anner $as wor!ed as a waier to an" and all o# "our clais in t$is atter and entitles e to presue t$at "ou reported t$ese accounts incorrectl" to t$e credit reportin* a*encies and under t$e doctrine o# estoppel b" silence . a" presue t$at no proo# o# t$e alle*ed debt nor t$ere#ore an" suc$ debt in #act exists%
. deand t$at Collector delete an" and all in#oration it $as reported to 'Iui#ax 'xperian rans0nion or an" ot$er credit reportin* a*enc" wit$in #ie (>) da"s o# Collectors receipt o# t$is notice/ and t$at . be proided wit$ docuentation to s$ow sae% o reiterate all re#erences to t$is account ust be deleted and copletel" reoed #ro " consuer credit #iles and a cop" o# suc$ deletion reIuests s$all be sent to e iediatel"%
Accordin* to t$e Federal rade Coission in t$e present circustance a collection a*enc": P%%%ust delete t$e in#oration #ro credit bureau #iles wit$in #ie da"s%P 9ri*inal creditors are also treated as debt collection a*encies under t$e F,C+A accordin* to CF+ Consuer Financial +rotection ureau w$ic$ oersees t$e adinistration o# t$e F,C+A w$en t$e" stated t$at in re*ard to itle T o# t$e ,odd-Fran! Act (t$e ,odd-Fran! all Street &e#or and
Consuer +rotection Act o# 2717) and t$e F,C+A t$at 6$e F,C+A and t$e ,odd-Fran! Act to*et$er pro$ibit coered persons or serice proiders includin* debt collectors #ro en*a*in* in deception w$ile collectin* or atteptin* to
collect on consuer debts%8 Notice t$is sa"s serice proiders w$ic$ also
a!es t$e rest o# t$ese laws relate to ori*inal creditors and to t$ose sericin* t$e debts and t$ere#ore t$e collection o# t$ose debts% .n s$ort t$e F,C+A does pertain to ori*inal creditors%
.# Collector #ails to copl" wit$ applicable reIuireents o# t$e Fair ,ebt
Collection +ractices Act liti*ation s$all li!el" ensue% . $ae docuentation #or at least ei*$t--and possibl" ore--blatant iolations o# #ederal law eac$ o# w$ic$ a" incur a =1777 penalt"/ and seeral li!el" iolations o# applicable state and local laws as well% Cure t$e proble or #ace t$e li!eli$ood o# explainin* t$ese iolations to a Bud*e%
Additionall" s$ould Collector #ail to cure t$e iolations wit$in t$e stated period #oral coplaints will be #iled wit$ t$e Federal rade Coission/ t$e Aerican Collectors Association .nternational/ t$e 0nited States +ostal .nspection Serice ail Fraud ,iision/ and t$e etter usiness ureau State .nsurance
Coissioner etter usiness ureau Secret Serice (#or counter#eitin*) reasur" ,epartent and ot$ers i# need be%
Collector a" wis$ to c$ec! on t$e Statute o# Liitations #or t$is t"pe o# debt%
$ile . pre#er not to liti*ate i# Collector #ails to delete t$e in#oration #ro t$e credit reportin* a*encies wit$in #ie (>) da"s o# receipt o# t$is certi#ied letter . will #ind it necessar" to sue Collector #or daa*es and declarator" relie# under t$e Fair ,ebt Collection Act% ecause t$e Fair Credit &eportin* Act proides
concurrent Burisdiction in #ederal and state courts%
.# liti*ation a*ainst Collector is necessar" it will also inole Collectors client i# it is a di##erent part" t$an "oursel# since t$e" are liable and responsible #or
@ou did not answer " reIuests point b" point as reIuired b" law% . $ad
reIuested t$at "ou proided proo# o# clai% A cop" o# t$e securit" instruent is not a su##icient proo# o# clai as per 0%C%C% - A&.CL' 3 -K3->71 (b) 2 (1)%
0nder t$is code . a entitled to $ae t$e instruent presented to e as "ou are reIuired to up!eep t$e le*al docuent entrusted to "ou%
0nder 0SC itle 1O C$apter 2> "ou are en*a*in* in counter#eitin* and suc$ be$aior is a #elon"% +roidin* a p$otocop" o# a securit" instruent is not onl" unconscionable but is ille*al% . $ad as!ed #or t$e isual inspection o# t$e ori*inal proissor" note not a cop"%
@ou did not proide an" proo# to su##icientl" satis#"in* "our clai under 0%C%C% - A&.CL' 3 -K3-372 t$at "ou are a note $older in due course%
@ou did not stipulate w$et$er or not "ou were t$e $older in due course% @ou did not stipulate w$et$er t$is loan was securitiEed as reIuired b" law%
$ere#ore "ou adit to t$e #ollowin*:
-/ #ou ad.it t'at you are a ser+icer o* t'e pro.issory note( 4/ #ou ad.it t'at t'e loan 'as $een securiti7ed(
6/ #ou ad.it t'at you are not a real party o* interest in t'is contro+ersy( 8/ #ou ad.it t'at you are a de$t collector t'at is not t'e original creditor(
0nder t$e Federal &ules o# Ciil +rocedure &ule 3H "ou are adised to noti#" e wit$in 1 da"s s$ould "ou wis$ to contest an" o# t$e aboe alle*ations wit$
speci#ic proo#% Failure to do so eans t$at "ou #ull" adit to all alle*ations as trut$% $ese adissions will be used as eidence a*ainst "ou in an" #uture controers" inolin* t$is atter%
Cease and ,esist: . a reIuestin* in writin* t$at no telep$one contact be ade b" Collector to " $oe or ot$er telep$one% .# Collector attepts telep$one
counication wit$ e it will be considered $arassent and . will $ae no c$oice but to #ile suit% S$ould an" telep$onic counication be ade b" Collector be adised t$at t$e counication will be recorded #or use as eidence%
All #uture counications wit$ e ust be done in writin* and sent to t$e postal address noted in t$is letter%
est &e*ards
CLIENT
Cc: Federal rade Coission 0%S% +ostal .nspection Serice - ail Fraud ,iision
&TEP 6
&TEP 6: J da"s AFTER t$e date t$e return receipt was si*ned #or as receied b" t$e creditor start step 3 w$ic$ is t$e #ilin* o# a sall clais case%
&A5E T9E DATE 9ERE ON T9E LINE PRO5IDED #ro t$e creditors receipt #ro "our certi#ied ail t$at t$e" ailed bac! to "ou a postcard siEed li*$t *reen card Bust li!e Step 1 o# t$is process%
))))))))))))))))))))))))))Date o* receipt o* deli+ery to creditor
Seen (J) da"s #ro t$at date is DDDDDDDDDDDDDDDDDDDDD (calculate t'is date *ro. t'e date you recei+e t'e signed receipt *ro. t'e creditor/
$e t$ird and usuall" #inal step w$ic$ a" need to be repeated is #ilin* a sall clais case at "our local court a*ainst t$e creditor #or a #ine o# =1777% $e case will be #or a Fair ,ebit U Credit +ractices Act (F%,%C%+%A%) iolation eIualin* =1777 &ee Appendi;/(
NOTE: @ou will also be able to use state laws t$at re#erence t$e Fair rade Coission (F%%C%) w$ic$ aries b" state%
.n addition "ou ust sue #or &peci*ic Per*or.ance w$ic$ will reIuire t$at t$e creditor will send a notariEed letter to reoe "our entr" #ro all credit reports wit$in seen (J) da"s/ and to neer report "our in#oration eer a*ain to an" credit reportin* a*enc"%
NOTE: a!e sure i# "ou Iuali#" t$at "ou #ill out an INDI1ENT or Wai+er o* Fees or &i.ilar For (aailable at "our local sall clais court) #or t$e #ilin* o# "our sall clais case as it will a!e t$e entire le*al process #ree #or "ou% .# "ou #ill out t$is #or all Eeros #or assets and incoe and si*n in "our upper and lower case nae t$en it s$ould be accurate as all assets and incoe ust be in "our trust nae in all capital letters%
.n t$e eent t$e attorne" de#endin* t$e creditor contacts "ou ri*$t be#ore t$e sall clais court case t$en let t$e !now "ou will settle #or =>77 and t$e letter to reoe t$e ite #ro all t$ree (3) credit reportin* a*encies%
0suall" t$e" will sa" no to t$e =>77 #ine and "es to t$e letter to reoe t$e ites #ro all t$ree (3) credit reportin* a*encies%
NOTE: .# t$e" want to be di##icult "ou can disiss t$e case t$e da" o# t$e court date and t$en iediatel" re-#ile a new sall clais case t$e sae da"% $is will cause t$e creditors to spend =>777 to =17777 #or eac$ case #or t$eir le*al
and adit t$e" are beat ta!e t$e loss and *ie "ou w$at "ou want "our notariEed debt disissal letter and possible #ine%
&A!PLE &!ALL CLAI!& FILIN1
$ou*$ "our #ilin* #or en#orceent o# t$e reoal o# "our accountin* error will be uniIue based on "our indiidual issues t$e saple #ilin* is proided #or a *eneral *uide #or w$at to expect in a sall clais #ilin*% $e exaple proided was
ade recentl" b" Libert" Aid #ounder in a siilar situation ('x$ibits are t$e attac$ed #iles in t$e eail "ou receied):
CREDITOR has violated the FDCPA (Fair Debt Collection Practices Act) 3 separate times. Accont !"#$%ER on the C&IE"T credit report has been invalidated and there'ore the acconts shold have never been on the credit reports nor sbseentl placed on the credit reports a'ter the acconts *ere invalidated. For each o' these violations 'ines are de in the amont o' +,- per accont- totalin/ +3-. In addition- since the debt is invalidated it is no lon/er o*ed and C&IE"T reests that the cort en'orces speci'ic per'ormance o' havin/ CREDITOR *rite a letter to all 3 credit reportin/ a/encies reestin/ the accont be completel removed immediatel. The 'ollo*in/ is the in'ormation abot the 3 separate FDCPA violations and reasons 'or the reest 'or en'orcement o' speci'ic per'ormance accont removal actions0
CREDITOR accont !"#$%ER 'rom the October 1- 2,3 C&IE"T credit re port 'rom CREDIT %#REA#- see Ehibit A. The balance amont is listed as +A$O#"T.
A. On C%, CREDIT %#REA# /enerated a credit report 'or C&IE"T- see Ehibit A. Tho/h the last 4 di/its are not printed b CREDIT %#REA#- a call *as placed b C&IE"T to CREDIT %#REA#. A(n) CREDIT %#REA# representative *as contacted b phone and the representative read the last 4 di/its to all dero/ator acconts. These last 4 di/its are *ritten net to each dero/ator accont on this credit report- see Ehibit A.
%. To ensre that these acconts *ere valid and there'ore *ere in 'act debts le/all o*ed- a validation letter *as sent to CREDITOR on 5,- see Ehibit %. All debts mst be valid to be on a credit report. In this validation letter- the accont in'ormation 'rom the credit report *as made clear to CREDITOR and reests *ere made to ensre that CREDITOR *as in 'act the holder o' the ori/inal note re'erenced b the credit report accont.
C. On R,- CREDITOR sent a letter that ma or ma not have been a response to the 5, validation letter- see Ehibit C. It *as a reest 'or more in'ormation bt did not re'erence an speci'ic accont. It is CREDITOR6s tas7 to 7eep its records and ma7e presentment o' the indentre instrment relatin/ to an accont the placed on credit reports and not the tas7 o' the debtor to do so. 8o- no presentment o' an
7ind *as made to a reest that the indentre instrment be presented. This lac7 o' presentment- see Ehibit D- means that the debt is dishonored and there'ore no debt is crrentl o*ed. This means that CREDITOR has violated the #CC- see Ehibit D- and the debt is no lon/er o*ed i' in 'act it ever *as.
D. % not validatin/ the debt *ith an appropriate response- see Ehibit C- CREDITOR has bro7en the #nited 8tates Code section *hich is the FDCPA- and so 'ines are de in the amont o' +,-- see Ehibit 9 5alidation o' a debt mst occr *ithin 3 das and there *as no validation- see Ehibit E.
E. In the interest o' /ivin/ CREDITOR a second chance to validate the debt- a second validation letter *as sent on 52- see Ehibit F. "o response o' an 7ind *as received 'rom CREDITOR. This *as a second violation o' the FDCPA and 'ines are a/ain de in the amont o' +,- de to lac7 o' validation o' the accont- see Ehibit 9.
F. CREDIT %#REA# *as contacted and the accont *as o''iciall contested b C&IE"T. A response to that reest came 'rom CREDIT %#REA# dated CR2- see Ehibit :. Despite the loan bein/ previosl invalidated- as re'erenced above- CREDITOR veri'ied the accont as accrate to CREDIT %#REA#- see Ehibit :. This *as a third violation o' the FDCPA b CREDITOR b veri'in/ an invalidated accont and 'ines are de in the amont o' +,-- see Ehibit 9.
:. CREDITOR- as a claimed debtor- mst be the holder in de corse o' the note the claim to be o*ed. The eplanation o' *hat holder o' the note means is simple. The debtor mst phsicall hold the note and present it pon reest. A cop *ill not be s''icient. Copies o' in'inite nmber can be made o' debt instrments and so these cold be presented b ncontable claimed debtors; this is *h onl the ori/inal note is accepted as proo' o' indebtedness. To properl handle boo77eepin/ o' this accont so that no errors had been made- these validation reests *ere made to ensre the debt *as in 'act le/all o*ed. 8ince even no* CREDITOR cold not present the ori/inal note- there is no debt o*ed. 8peci'ic Per'ormance b CREDITOR is reested b C&IE"T that CREDITOR *rite all 3 credit reportin/ a/encies and reest this accont be removed 'rom all credit reports and never reported a/ain nder CREDITOR6s name or an other creditor. In short- no note means no debt. C&IE"T reests the cort to en'orce that CREDITOR *ill reest the removal o' this accont 'rom all 3 credit report a/encies immediatel as speci'ic per'ormance.
9. At a previos interaction- 'ace to 'ace *ith a CREDITOR representative- in an action sbseentl dismissed b C&IE"T- CREDITOR did not present the ori/inal indentre instrment. Instead- the CREDITOR representative did present accontin/ that sho*ed paments made b C&IE"T to CREDITOR on this invalidated debt. The
accontin/ o' those paments is proo' o' compensator dama/es and are reested to be presented at this hearin/ so an eas method o' accontin/ is available 'or 'tre actions that *ill be see7in/ compensator and pnitive dama/es 'or the attempt o' collectin/ a debt not o*ed to CREDITOR.
I. &est there be an con'sion on *hether the FDCPA applies to CREDITOR as a debt collector- the Consmer Financial Protection %rea (CFP%) is the /overnment a/enc that oversees the implementation o' the FDCPA and de'ines *ho 'its the ali'ications o' debt collector in a blletin- see Ehibit I. The CFP% de'ines debt collector broadl and incldes creditors into the cate/or *ith other desi/nees that the CFP% collectivel calls <service providers<. There'ore- CREDITOR- as claimin/ to be in service o' this debt (*hich clearl the are not b not bein/ able to present the ori/inal indentre instrment)- and the mst 'ollo* the letter o' the la* as
provided in the FDCPA. CREDITOR is a debt collector as de'ined b the CFP% and there'ore the FDCPA.
=. In li/ht o' the contined sstematic ille/al debt collection activities on the part o' CREDITOR- it is reested that the cort do everthin/ in its po*er to phold the la*s cited and impose the 'ines listed to ensre consmers are treated *ith respect accordin/ to the la*. Tho/h this is a David and :oliath scenario as C&IE"T- lo*l David- see7s to remove the dero/ator acconts 'rom his credit report and
CREDITOR- the :oliath o' mthic proportions *ith nlimited 'inancial and le/al resorces *hich see7s to contine its 'radlent collection o' this invalidated debt; it is thro/h the merc o' the cort 'ollo*in/ the la*s that David casts the stone that *ill vanish the /iant CREDITOR and release C&IE"T 'rom these ears o' s''erin/ in'licted ille/all b CREDITOR. Please restore order to this sitation that has bro/ht so mch 'inancial s''erin/ to C&IE"T- in'licted ille/all b CREDITOR.
>. #CC "e/otiable Instrments- 8ee Ehibit =- eplains in order to en'orce a debt instrment it has to have certain elements to be a ne/otiable instrment one o' *hich is that is the one and onl ori/inal in eistence so that 'or/eries and copies cannot be sed to satis' these reirements. It clearl states ?@ne/otiable instrment@ means an nconditional promise or order to pa a 'ied amont o' mone- *ith or *ithot interest or other char/es described in the promise or order<. The important *ord here in the ote is ?an<. A note mst be sin/lar-?an<; onl one note can eist- one promise to pa- or it is a cop- conter'eit or a 'or/er; *hich are not then ne/otiable instrments and do not need per'ormance. %t no la* is needed here- onl lo/ic- tho/h this la* covers the point too; the lo/ic realit is that a cop is not evidence o' anthin/ nless the ori/inal sits beside the cop at the same time as evidence that the cop is in 'act a cop. 9o* else can one
7no* a cop is a cop The onl *a lo/icall is that the ori/inal mst sit side b side *ith the ori/inal docment and this mst happen in the cortroom *hen this case /oes to trial or this debt is bein/ collected ille/all and stattor- compensator and pnitive 'ines and dama/es are de in this case. Felonies and misdemeanors are man i' the ori/inals are not prodced and *ill be en'orced shold this action need to /o to trial.
LIST OF EXHIBITS:
A B Credit report /otten be'ore an actions ta7en. % B 5alidation &etter ,.
C B Response (i' an) 'rom creditor. D B #CC Presentment.
E B #8C 5alidation. F B 5alidation &etter 2.
: B Credit Report 'rom at least , das a'ter 5alidation &etter 2 received b creditor. 9 B FDCPA +,- Fine.
I B CFP% %lletin.
= B #CC "e/otiable Instrment
LIST OF FIND AND REPLACE ITEMS:
C&IE"T CREDITOR
"#$%ER (This is the accont nmber) DE%T A$O#"T
CR, (Date o' 'irst credit report in para/raph A) CR2 (Date o' second credit report in para/raph F) 5, (Date o' 'irst credit report in para/raph %-C) 52 (Date o' 'irst credit report in para/raph E)
R, (Date o' 'irst creditor response i' an in para/raph C) B remove para/raph C i' creditor sent no response.
Conclusion
$ese 3 eas" steps are all Bust *ood accountin* and boo!!eepin*%
@ou are sipl" as!in* to a!e sure "ou owe t$e bill and are not a icti o# identit" t$e#t% .# t$e creditor cannot proe in t$e tie reIuired wit$ t$e 9&..NAL contract/ t$en t$e debt collection is bein* done #raudulentl" and t$e" are *uilt" o# F%,%C%+%A% iolations and #ines are due to "ou as well as reoal o# t$e debt%
Note: None o# t$is is ille*al% .n #act it is Bust t$e opposite% $is is usin* t$e laws in place #or "our protection and #or "our bene#it% @ou $ae t$e cau*$t between a roc! and a $ard place and isn<t t$at Bust t$e best #eelin* to put t$e s$oe on t$e ot$er #oot4
$an! "ou and best wis$es%
Appendix: Applicable Laws
All creditors are reIuired to #ollow t$e law accordin* to t$e 0nited States Code w$ere it explains $ow eac$ =1777 is owed #or t$e iolations:
K O7% Validation o# debts Q1> 0SC 1H2*R
(a) it$in #ie da"s a#ter t$e initial counication wit$ a consuer in connection wit$ t$e collection o# an" debt a debt collector s$all unless t$e #ollowin* in#oration is contained in t$e initial counication or t$e consuer $as paid t$e debt send t$e consuer a written notice containin*
--(1) t$e aount o# t$e debt/
(3) a stateent t$at unless t$e consuer wit$in t$irt" da"s a#ter receipt o# t$e notice disputes t$e alidit" o# t$e debt or an" portion t$ereo# t$e debt will be assued to be alid b" t$e debt collector/
() a stateent t$at i# t$e consuer noti#ies t$e debt collector in writin* wit$in t$e t$irt"-da"
period t$at t$e debt or an" portion t$ereo# is disputed t$e debt collector will obtain eri#ication o# t$e debt or a cop" o# a Bud*ent a*ainst t$e consuer and a cop" o# suc$ eri#ication or
Bud*ent will be ailed to t$e consuer b" t$e debt collector/ and
(>) a stateent t$at upon t$e consuers written reIuest wit$in t$e t$irt"-da" period t$e debt collector will proide t$e consuer wit$ t$e nae and address o# t$e ori*inal creditor i# di##erent #ro t$e current creditor%
(b) .# t$e consuer noti#ies t$e debt collector in writin* wit$in t$e t$irt"-da" period described in subsection (a) t$at t$e debt or an" portion t$ereo# is disputed or t$at t$e consuer reIuests t$e nae and address o# t$e ori*inal creditor t$e debt collector s$all cease collection o# t$e debt or an" disputed portion t$ereo# until t$e debt collector obtains eri#ication o# t$e debt or an" cop" o# a Bud*ent or t$e nae and address o# t$e ori*inal creditor and a cop" o# suc$ eri#ication or Bud*ent or nae and address o# t$e ori*inal creditor is ailed to t$e consuer b" t$e debt
collector%
(c) $e #ailure o# a consuer to dispute t$e alidit" o# a debt under t$is section a" not be construed b" an" court as an adission o# liabilit" b" t$e consuer%
And $ere is t$e section #or t$e ot$er =1777 iolation: K O13% Ciil liabilit" Q1> 0SC 1H2!R (F,C+A)
(a) 'xcept as ot$erwise proided b" t$is section an" debt collector w$o #ails to copl" wit$ an" proision o# t$is title wit$ respect to an" person is liable to suc$ person in an aount eIual to t$e su o#
--(1) an" actual daa*e sustained b" suc$ person as a result o# suc$ #ailure/
(2) (A) in t$e case o# an" action b" an indiidual suc$ additional daa*es as t$e court a" allow but not exceedin* =1777/ or
() in t$e case o# a class action (i) suc$ aount #or eac$ naed plainti## as could be recoered under subpara*rap$ (A) and (ii) suc$ aount as t$e court a" allow #or all ot$er class ebers wit$out re*ard to a iniu indiidual recoer" not to exceed t$e lesser o# =>77777 or 1 per centu o# t$e net wort$ o# t$e debt collector/ and
(3) in t$e case o# an" success#ul action to en#orce t$e #ore*oin* liabilit" t$e costs o# t$e action to*et$er wit$ a reasonable attorne"s #ee as deterined b" t$e court% 9n a #indin* b" t$e court t$at an action under t$is section was brou*$t in bad #ait$ and #or t$e purpose o# $arassent t$e court a" award to t$e de#endant attorne"s #ees reasonable in relation to t$e wor! expended and costs%
(b) .n deterinin* t$e aount o# liabilit" in an" action under subsection (a) t$e court s$all consider aon* ot$er releant #actors
--(1) in an" indiidual action under subsection (a)(2)(A) t$e #reIuenc" and persistence o#
noncopliance b" t$e debt collector t$e nature o# suc$ noncopliance and t$e extent to w$ic$ suc$ noncopliance was intentional/ or
(2) in an" class action under subsection (a)(2)() t$e #reIuenc" and persistence o#
noncopliance b" t$e debt collector t$e nature o# suc$ noncopliance t$e resources o# t$e debt collector t$e nuber o# persons adersel" a##ected and t$e extent to w$ic$ t$e debt collectors noncopliance was intentional%
(c) A debt collector a" not be $eld liable in an" action brou*$t under t$is title i# t$e debt collector s$ows b" a preponderance o# eidence t$at t$e iolation was not intentional and resulted #ro a bona #ide error notwit$standin* t$e aintenance o# procedures reasonabl" adapted to aoid an" suc$ error%
(d) An action to en#orce an" liabilit" created b" t$is title a" be brou*$t in an" appropriate 0nited States district court wit$out re*ard to t$e aount in controers" or in an" ot$er court o#
copetent Burisdiction wit$in one "ear #ro t$e date on w$ic$ t$e iolation occurs%
(e) No proision o# t$is section iposin* an" liabilit" s$all appl" to an" act done or oitted in *ood #ait$ in con#orit" wit$ an" adisor" opinion o# t$e Coission notwit$standin* t$at a#ter suc$ act or oission $as occurred suc$ opinion is aended rescinded or deterined b" Budicial or ot$er aut$orit" to be inalid #or an" reason%
And t$is:
Section O7 (b) (F,C+A)
(b) .# t$e consuer noti#ies t$e debt collector in writin* wit$in t$e t$irt"-da" period described in subsection (a) t$at t$e debt or an" portion t$ereo# is disputed or t$at t$e consuer reIuests t$e nae and address o# t$e ori*inal creditor t$e debt collector s$all cease collection o# t$e debt or an" disputed portion t$ereo# until t$e debt collector obtains eri#ication o# t$e debt or an" cop" o# a Bud*ent or t$e nae and address o# t$e ori*inal creditor and a copy o* suc' +eri*ication or <udg.ent3 or na.e and address o* t'e original creditor3 is .ailed to t'e consu.er $y t'e
de$t collector(
;ere is a $and" table to assist "ou in #indin* out w$at to sue w$o #or in sall clais court:
$o Can @ou Sue and $at Can @ou Sue For4
W'o
W'y
Precedent=La
Fine
Creditors i# t$e" report "our credit $istor" inaccuratel"%
,e#aation #inancial inBur"
0S Court o# Appeals Nint$ Circuit No% 77-1>H Nelson s% C$ase an$attan
'xtent o# daa*es incurred b" t$e wron*ed part" as deeed b" t$e courts% Creditors i# "ou dispute a debt
and t$e" #ail to report it as disputed to t$e credit bureaus%
+rotection under t$e FC&A
FC&A Section H23 =1777
Creditors i# t$e" pull "our credit #ile wit$out perissible purpose%
.nBur" to "our credit report
and credit score Credit bureaus i# t$e" re#use to
correct in#oration a#ter bein* proided proo#% ,e#aation will#ul inBur" FC&A Section H23 C0S;AN % &ANS 0N.9N C9&+9&A.9N 0S Court o# Appeals #or t$e $ird Circuit Court Case 11>
F%3d 227 une 1J Filed (,%C% No% >-c-71J3)% 'xtent o# daa*es incurred b" t$e wron*ed part" as deeed b" t$e courts%
Credit bureaus i# t$e" reinsert a reoed ite #ro "our credit report wit$out noti#"in* "ou in writin* wit$in > business da"s%
Consuer protection a##orded b" t$e FC&A
FC&A +art (A)(>)()(ii) =1777
Credit bureaus i# t$e" #ail to respond to "our written disputes wit$in 37 da"s (a 1> da" extension a" be *ranted i# t$e" receie in#oration #ro t$e creditor wit$in t$e #irst 37 da"s)%
Consuer protection a##orded b" t$e FC&A
FC&A Section H11 +art (A) (1)
=1777
Collection a*enc" can N9 be 9; purc$aser and assi*nee -its one or t$e ot$er
+rotection under t$e F,C+A
earin* % C$ec! ro!era*e Corp
233 F%3d H (Jt$ Cir% 2777)
=1777
isrepresentations b" t$e collector about t$eseles or t$e debt are actionable re*ardless o# intent%
+rotection under t$e F,C+A
earin* % C$ec! ro!era*e Corp
Cacace % Lucas JJ> F% Supp% >72 >7> (,% Conn% 17)
=1777
Creditors collection a*encies or credit bureaus i# t$e" tr" and P&e- A*eP "our account b" updatin* t$e date o# last actiit" on "our credit report in t$e $opes o# !eepin* ne*atie in#oration on "our account lon*er% Consuer protection a##orded b" t$e FC&A FC&A Section H7>(c) =1777
Collection a*enc" i# t$e" #ail to report a disputed debt to t$e credit bureaus%
+rotection under t$e F,C+A
F,C+A Section O7J(O) =1777
Collection a*enc" i# t$e" do not alidate "our debt "et continue to pursue collection actiit" b" #ilin* #or a Bud*ent call or write "ou%
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7(b) FC opinion letterCass from LeFevre%
=1777
Collection a*enc" i# "ou $ae sent t$e a cease and desist letter and t$e" still call "ou%
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7>(c) =1777
Collection a*enc" i# t$e" $ae not alidated "our debt and t$e" still continue to report to t$e credit
Consuer protection a##orded b" t$e
F,C+A Section O7(b) FC opinion letterCass from LeFevre
bureaus% F,C+A Collection a*enc" i# t$e":
Cas$ a post-dated c$ec! be#ore t$e date on t$e c$ec!%
Cost "ou one" b" a!in* "ou accept collect calls or C9, ail%
a!e or t$reaten to ta!e an" personal propert" wit$out a Bud*ent%
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7O =1777
Collector i# t$e" call "ou a#ter + at ni*$t or be#ore O A%
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7>(a)(1) =1777
Collector i# t$e" call "ou at wor!% Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7>(a)(3) =1777
Collector i# t$e" call an" t$ird part about "our debt li!e #riends nei*$bors relaties etc% $e" can contact "our attorne" a consuer reportin* a*enc" t$e creditor t$e attorne" o# t$e creditor or t$e attorne" o# t$e debt collector%
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7>(b) =1777
Collection a*enc" i# t$e" use an" !ind o# $arassent or abuse
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7H =1777
Collector cannot clai to *arnis$ "our wa*es seiEe propert" or $ae "ou arrested
Consuer protection a##orded b" t$e F,C+A
F,C+A Section O7J =1777
Collector ust be in t$e count" in w$ic$ "ou lied w$en "ou si*ned t$e ori*inal contract #or t$e debt or w$ere "ou lie at t$e tie w$en t$e" #ile t$e lawsuit%
Consuer protection a##orded b" t$e F,C+A
