Beruflich Dokumente
Kultur Dokumente
Name
Adress
City, STATE ZIPCODE
PHONE
DATE,
ALLEGED DEBT
BE NOTICED THAT This is also a letter of dispute and debt validation. I recently pulled
my credit report and found CREDITOR NAME HERE reporting derogatory information in my
account. I dispute the validity of this debt. I would like to resolve this matter, at the earliest
possible time, however, due to the possibility of error or fraud in this matter, I must insist that
you prove that I owe you this purported debt and state the reasons why I owe this debt.
In order to prove the debt, I must have a signed and sworn statement before a notary
public, under penalty of perjury, by a person having firsthand knowledge of the indebtedness and
stating that the reported indebtedness was a legal indebtedness under all applicable state and
federal laws, was not subsequently disputed as a result of returned, faulty, or recalled consumer
products, and furthermore swearing that this purported debt is not now nor ever has been part of
any tax write off scheme nor insurance claim. Please be advised that I am requesting validation
and competent evidence that I had some contractual obligation sans consumer protection
encumbrance whereby I incurred the original claims associated with this purported debt.
Please be advised, that under the Fair Debt Collection Practices Act, I am authorized to
demand that you not contact me by telephone, nor at my place of employment by any means,
whatsoever. If you wish to communicate with me, you may do so only by U.S. mail and only at
my place of residence.
Your failure to provide such information, as I request in a timely manner, may constitute
DOCUMENT REQUESTS
In order to conduct a full and complete examination and audit of this loan, I must have full
and immediate disclosure, including copies of all pertinent information, regarding this loan. The
documents requested and answers to my questions are needed to insure that this loan:
I. was originated in lawful compliance with all federal and state laws, regulations
including, but not limited to, Title 62 of the Revised Statutes, RESPA, TILA, Fair
Debt Collection Practices Act, Fair Credit Reporting Act, HOEPA, Regulation Z and
all other applicable laws;
II. That any sale or transfer of this account or monetary instrument, was conducted in
accordance with proper laws and was a lawful sale with complete disclosure to all
parties with an interest;
III. That the claimed holder in due course of the monetary instrument/deed of trust/asset
is holding such note in compliance with statutes, State and Federal laws and is
entitled to the benefits of payments;
IV. That all good faith and reasonable disclosures of transfers, sales, Power of Attorney,
monetary instrument ownerships, entitlements, full disclosure of actual funding
source, terms, costs, commissions, rebates, kickbacks, fees, etc. were and still are
properly disclosed to me;
V. That each of the servicers and/or sub-servicers, of this mortgage, have serviced this
mortgage in accordance with all statutes, laws and the terms of mortgage, monetary
instrument/deed of trust;
VI. That each servicers and sub-servicers of this mortgage have serviced this mortgage in
compliance with local, state and Federal statutes, laws and regulations;
VII.That this mortgage account has properly been credited, debited, adjusted, amortized
In order to conduct an audit and review of this account and to determine the proper
amounts due, I need the following answers to issues and questions, concerning the servicing and
accounting of this mortgage from its inception to the present date. Accordingly, please provide
me, in writing, the answers to the requests and questions listed below:
Sincerely,
________________________ ________________________
Name Name,
CC:
Federal Trade Commission
Office of RESPA and Interstate Land Sales
600 Pennsylvania Avenue NW, Office of Housing, Room 9146
Washington, DC. 20580 Department of Housing and Urban Development
451 Seventh Street, SW