April 13, 2014

Via USPS Certified Mail

[INSERT NAME]
[INSERT ADDRESS]

ABC Collections
1200 Jefferson Collections
Boston, MA 60143, USA
CC: John Doe

RE: Dispute to Case Number 1502

Dear John,

I am writing in response to your letter dated March 1 and March 17,

2014 (copy enclosed) that I only received on April 3 and April 10, 2014,
respectively, because I do not believe I owe what you say I owe and I
am disputing the debt amount.

The first time I have received any written notice on this matter is the
letter dated March 17, 2014 letter from you, or Jefferson Collections on
this matter, which I actually received on April 3, 2014. I have never
received any written correspondence from you dated February 1, 2014
which you have alluded to in your letters dated March 1 and March 17.
I have also notified you that I am disputing the debt with the creditor
in our phone conversation on March 7, 2014.

In accordance with the Fair Debt Collection Practices Act (FDCPA),

809(b) (15 U.S.C. 1629g (b)):

Validating Debts:
(b) If the consumer notifies the debt collector in writing within the
thirty-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the
name and address of the original creditor, the debt collector shall
cease collection of the debt, or any disputed portion thereof, until the
debt collector obtains verification of the debt or any copy of a
judgment, or the name and address of the original creditor, and a
copy of such verification or judgment, or name and address of the
original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following

information to validate my debt:

Explain the nature of the alleged debt - that is, what the money I
allegedly owe is for;

 Provide an accounting with clear description explaining how you

calculated what you allege that I owe; and

Provide me with copies of any contracts or documents which form a

basis for the alleged debt.

Please note that the so-called statement of account you provided in

your letter dated March 1, 2014 does not form any valid basis for the
alleged debt. That is merely a spreadsheet summarizing the alleged
amount owed and has no evidential effect whatsoever. Furthermore,
you have provided no copies of any contracts executed by me from
which this alleged debt arose and invoices which are listed on your
statement of account.

Be advised that I am fully aware of my rights under the Fair Debt

Collection Practices Act and the Fair Credit Reporting Act. For instance,
I know that:

* because I have disputed this debt in writing within 30 days of receipt

of your dunning notice, you must obtain verification of the debt or a
copy of the judgment against me and mail these items to me at your
expense;

* you cannot add interest or fees except those allowed by the original
contract or state law.

* you do not have to respond to this dispute but if you do, any attempt
to collect this debt without validating it, violates the FDCPA.
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Also be advised that I am keeping very accurate records of all

correspondence from you and your company and I will not hesitate to
report violations of the law to my State Attorney General, the Federal
Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until it is validated, your

information concerning this debt is assumed to be inaccurate. Thus, if
you have already reported this debt to any credit-reporting agency
(CRA) or Credit Bureau (CB) then, you must immediately inform them
of my dispute with this debt. Reporting information that you know to
be inaccurate or failing to report information correctly violates the Fair
Credit Reporting Act 15 U.S.C. 1681s-2. Should you pursue a
judgment without validating this debt, I will inform the judge and
request the case be dismissed based on your failure to comply with
the FDCPA.

Finally, if you do not own this debt, I demand that you immediately
send a copy of this dispute letter to the original creditor so they are
also aware of my dispute with this debt. Please communicate with me
on this matter only in writing from this point on. FDCPA 805 (15
U.S.C. 1692c) requires you to respect this request.

____________________________
[INSERT NAME]
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