John Doe

c/o James Doe, Presenter/Witness/Acceptor

99999 Atlantic Drive
Atlanta, Georgia 99999

SHAPIRO & SWERTFEGER, LLP

2872 Woodcock Boulevard
Duke Building, Suite 100
Atlanta, Georgia 30341
Via Certified Mail – RRR: Art. No: 9999 9999 9999 9999 9999

Re: US BANK NATIONAL ASSOCIATION, AS TRUSTEE FOR GSAA HOME EQUITY

TRUST 2006-3 v. JOHN DOE (Non-Judicial Foreclosure Action)
DEBT VALIDATION DEMAND PURSUANT TO THE FAIR DEBT
COLLECTION PRACTICES ACT
DEMAND TO STOP FORECLOSURE UNTIL VALIDATION IS COMPLETE
Subject Property: 9999 BLUE TEAL COURT NW, ATLANTA 99999
Alleged Account No.: 999999999

To Whom It May Concern:

This letter is being sent to you, as a debt collector, in response to an alleged notice sent to me
regarding the above-referenced matter. Please 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) that your
claim is hereby disputed; and certified, authenticated validation is demanded.

This is NOT a request for “verification” or proof of my mailing address, but a request for
VALIDATION of the alleged debt is made pursuant to 15 USC § 1692g. I respectfully request
that your office provide me with competent, certified evidence (under the penalty of perjury) that
I have any legal obligation to pay you.

Please provide me with the following (certified and authenticated under penalty of perjury):

• What is the money you say I owe is for;

• Show and explain 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; and
• Provide me with your license numbers and Registered Agent.

At this time I will also inform you that if your offices have reported invalidated information to
any of the three (3) major Credit Bureau’s (Equifax, Experian or TransUnion) this action might
constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is
found on any of my credit reports by your company or the company that you represent, I will not
hesitate in bringing legal action against you for the following:

DEBT VALIDATION DEMAND – DEMAND TO STOP FORECLOSURE

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 • Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection Practices Act
• Defamation of Character
• Other State and Federal violations

If your offices are able to provide the proper documentation as requested in the following
Declaration, I will require at least 30 days to investigate said information, and during such time
all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to
any of my credit reports, I will consult with my legal counsel for suit. This includes any listing
any information to a credit reporting repository that could be inaccurate or invalidated or
verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your
receipt, as required by the Fair Debt Collection Practices Act, 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 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.

It would be advisable that you assure that your records are in order before I am forced to take
legal action. This is an attempt to correct your records; any information obtained shall be used for
that purpose.

Lastly, for you to auction the subject property, as Trustee in the above-referenced matter, would
be a direct violation of the Fair Debt Collection Practices Act (15 U.S.C. § 1692f) if all
concerned parties allow the alleged Grantee or the Servicer, your alleged client, to illegally
foreclose on the subject property if alleged Grantee is (1) Not in possession of the original,
unaltered Note, and (2) if Grantee is not the holder in due course under Georgia Commercial
Code.

15 USC §1692f - Unfair Practices:

(6) Taking or threatening to take any nonjudicial action to effect
dispossession or disablement of property if –
(A) there is no present right to possession of the property
claimed as collateral through an enforceable security interest;
(B) Any person who violates this section shall be liable to the
same extent and in the same manner as a debt collector is liable
under section 813 for failure to comply with a provision of this
title (emphasis added).

DEBT VALIDATION DEMAND – DEMAND TO STOP FORECLOSURE

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If your client foreclosures on and sells the subject property, you and all parties working in
conjunction with you will be defendants in a law suit for violations of the Fair Debt Collection
Practices Act and other State and Federal statutory violations for statutory, actual and punitive
damages and for all other fees and expenses necessary to prosecute such an action.

All Rights Retained

Respectfully Submitted

By: ___________________________________
John Doe, Authorized Signatory for JOHN DOE

STATE OF GEORGIA )
) ss.: ACKNOWLEDGEMENT (You may or may not want to use this)
COUNTY OF FULTON )

This document was acknowledged before me this before me this ____day of APRIL, 20______
by John Doe: ____ Personally Known ____ Produced Identification
Type and # of ID___________________________________________

_____________________________________
(Signature of Notary)

(Seal)
_____________________________________
(Name of Notary Printed)
Notary Public, State of Georgia

DEBT VALIDATION DEMAND – DEMAND TO STOP FORECLOSURE

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