Is this a good DV letter?

[1flyfisher]

I am writing to you to request that you provide me with complete validation of this debt within the next 30 days. I am disputing these $217.88 charges from AT&T.

Please provide me with the following:

· Provide me with documentation for what the money you say I owe is for; I am requesting copies of the Bills from AT&T showing the charges (phone calls) that constitute the $217.88 amount owing for phone services.

· Explain and show me how you calculated what you say I owe;

· Provide me with copies of any papers that show I agreed to pay what you say I owe;

· Provide a verification or copy of any judgment if applicable;

· Identify the original creditor;

· Prove the Statute of Limitations has not expired on this account and when the Date of Original Delinquency occurred, when the first missed payment was due

· Show me that you are licensed to collect in my state

· Provide me with your license numbers and Registered Agent

IS there anything I should add to this or eliminate from this list? I figure the more I ask for and they don't provide the better chances I have with the CRA's. What are the REQUIRED to provide?

I went off the DV letter shown on this website.

[stancil1]

First of all, are you sending this DV to AT&T or to a CA? if you are sending it to a CA which is what I suspect, I wouldn't tell the CA that it's from AT&T, make them come up with that, don't help them. Second of all, you'll want a C&D in the DV or they'll start calling and won't stop until you do send them one.

How old is the alleged debt ?

[Greg]

I wouldn't tell the CA that it's from AT&T, make them come up with that, don't help them.

Ditto that.

My dad has a saying "Fish wouldn't get caught if they would keep their mouth shut"

[boomer]

I was told by a freind that if you put a C&D in the DV letter that they can then say they did not respond because of the C&D, and you WANT them to repond with either something illegal or a delete. Don't know how true, but that is what I was told.

[stancil1]

C&D is only for telephone contact.......Has nothing to do with the mail !

[1flyfisher]

but they surely know that it is AT&T, it is listed as AT&T Asset Acceptance on my CR.

IS there ANYTHING else I need to put in there or take out?

[stancil1]

Not really, just keep it simple.

[zfire]

...

I am not asking for "verification" , but "validation" as follows:

Then start with the .... Tell me what this debt is for etc............

I like to put those words in nice bold print. You know, so the seemingly blind ppl who work for JDB's can see the words properly.........

[boomer]

I just searched this the forum debt Validation Q&A, and if you read the primer (about 10 posts down) it says they same thing so now I am not sure who to believe?

[1flyfisher]

I just searched this the forum debt Validation Q&A, and if you read the primer (about 10 posts down) it says they same thing so now I am not sure who to believe?

What exactly are you talking about?

OK I went back and read your post again.

You can put a C&D in there and not have to worry about anything.

A C&D doesn't entitle them legally not to respoind. If they are harrassing you and doing illegal acts and you ask for C&D they must comply.]

[boomer]

The C&D part of the DV letter. Read my post after stancil

[1flyfisher]

I don't need this do I if a letter is going to a credit card company right?

· Show me that you are licensed to collect in my state

· Provide me with your license numbers and Registered Agent

I am just trying to construct a DV letter template that I like that I can send out to all CA's. I am going off the sample validation letter template on this website.

I edited out some of the harsh threats of lawsuits and such as I don't want that in there with my first letter to the CA's. I will threaten lawsuit when the time comes.

[nascar]

C&D is only for telephone contact.......Has nothing to do with the mail !

That is not true. A C&D, per statute, means cease communication...period. If you include a reference to C&D in a DV letter, the CA will not answer because they would be committing a violation.

[nascar]

...

I am not asking for "verification" , but "validation" as follows:

No difference.

[1flyfisher]

That is not true. A C&D, per statute, means cease communication...period. If you include a reference to C&D in a DV letter, the CA will not answer because they would be committing a violation.

IF you tell them to cease communication they can do that.

But that is not what you are asking them to do with a C&D.

Your are asking them to Cease and Desist harrassment activities which they are doing and breaking the law. They are entitled to send you letter but not call at work, call you after 9PM etc.

If any of you are unclear about this I would recommend reading the home page and the stuff on validation. It hits on what they can and can't do.

[stancil1]

That is not true. A C&D, per statute, means cease communication...period. If you include a reference to C&D in a DV letter, the CA will not answer because they would be committing a violation.

OK, OK...I agree nascar, your absolutely correct. I should have stated more clearly, my intent. A modified cease and desist is what should be used, ie.

I would also like to request, in writing, that no telephone contact be made 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 and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

My Bad

[IHateCAs]

This continues to be my favorite example of a good DV letter:

Also on November 12, Shepard sent Brennan a letter informing him that Spears “disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law.”

[derekpritchard]

This continues to be my favorite example of a good DV letter:

This is a great letter! I used it and it has been very effective in frustrating the CA's! Which always makes me happy!

[nascar]

IF you tell them to cease communication they can do that.

But that is not what you are asking them to do with a C&D.

Your are asking them to Cease and Desist harrassment activities which they are doing and breaking the law.

Where in the world did you get that idea?