Letter Feedback Please

[beachmonkey]

Okay just got donewith my first DV letter and wanted somefeedback. Is it too cut and paste, to polite, too rude, still accurate, outdated or just right? All feedback is appreciated as I will try to mail this out tomorrow.

Focus Receivable Management

1130 Northchase Parkway, Suite 150

Marietta, GA 30067

Date: August 26, 2007

Re: Acct # xxx-xxx-xxx-xxx

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on August 13, 2007. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

 What the money you say I owe is for;

 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

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

 Provide me with your license numbers and Registered Agent

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices, or any other related comapny referred to in your letter as the “Sherman Companies”, to my home, cell phone 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.

This is an attempt to correct your records; any information obtained shall be used for that purpose.

Best Regards,

[zfire]

That looks a bit like a form letter.

Try to simplify. If you know they can collect in you state, why ask them for that?

They've seen this same letter thousands of times, and know it is from a form.

Dear junkdebtjerks:

I am disuputing this debt. I don't belive I owe you this money. Please provide proof that this is indeed my debt, and that it has not passed

SOL.

Or something similar. My opinion is this:

No need to put all that stuff in unless you are really angry, and perhaps sending a second letter to them for some reason.

Anyone else?? An Elder?

[beachmonkey]

Thanks zfire,

Essentially it is a form letter modified slightly. I took out all of the harsh threats of immediate lawsuits etc, but thought it important to state the statutes I was protected under so they would know I am at least an informed consumer.

Does the fact that it is a form letter make it bad? Essentially that is what law firms do all the time and just modify them to match their specific needs.

[zfire]

It's not that bad....but you need fo make it more you.

Ok?

[beachmonkey]

Boy if I could just send them what I really thought...lol

Might be a song-o-gram with a dancer that went ...

Seriously, I see what you are saying,I am just not sure where to draw the line of too personal and maintaining professionalism with the letter.

I honestly do appreciate your feedback zfire, thanks

[divemedic]

Ever see Johnny Dangerously?

Dear Fargin Iceholes:

You have wiolated my fargin civil rights. If you iceholes donna leave a fine a upstandin citizens like me alone, I am a gonna rip your walls off.

[beachmonkey]

Ever see Johnny Dangerously?

Dear Fargin Iceholes:

You have wiolated my fargin civil rights. If you iceholes donna leave a fine a upstandin citizens like me alone, I am a gonna rip your walls off.

Thats what I'm talkin about!

[Nascar3]

Ever see Johnny Dangerously?

Dear Fargin Iceholes:

You have wiolated my fargin civil rights. If you iceholes donna leave a fine a upstandin citizens like me alone, I am a gonna rip your walls off.

LMFAO! I think I'm gonna have to write one of them there letters to Portfolio!

[Guest tigger7588]

dive, lauighing so hard my eyes - I'm crying. I so needed that today. Happy that I am working toward having my credit cleaned but just sent out my Dv's last week and this waiting game is driving me nuts!! - thanks again for the comic relief !

[GreenEyedBandita]

hahahaha...those are too funny

I did just send that generic letter to NCO today though, who cares if they have gotten in 5000 times. They had no business trying to collect on a debt that is almost 7 years old that isnt even on my CR