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Date: February 6, 2011


P.O. Box 81507
Atlanta, GA 30366-7589

Any Address USA Loan Number: 0012345678
Any City, State Zip Code

Discovery Notice: Verification of Proof of Claim Requested

Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent.


Under the Truth in Lending Act and Fair Debt Collection Practices Act, I am entitled
to enquire and clarify as to the nature of the claim you have against the above loan.

This is a discovery notice in good faith. I am making a good faith effort to confer with
you to confirm that you are still the RIGHTFUL Holder in Due Course of my
Promissory Note and that no other party may lay claim against my property under
U.C.C. - ARTICLE 3 -§3-302. I hereby demand that you provide proof to me that you
are in fact the rightful holder in Due Course.

If you are in fact just a servicer, I demand that you identify both the Holder in Due
Course (with proof that they are in fact the Holder in due course) and written
authorization that entitles you to service this instrument.

Pursuant of U.C.C. - ARTICLE 3 -§3-501 (b) 2 (1), I am entitled to demand presentation

of the negotiable instrument. That demand is hereby ordered. I demand that you
PROMISSORY NOTE (front and back) and ALLONGE together with the ORIGINAL
establish your right of enforcement as Holder in Due Course via a chain of assignment
as evidenced by the Note or Allonge. Claiming to be the “the holder in due course” as a
statement is insufficient proof of status and is/will be rejected. A photocopy of the
documents is insufficient proof as it does not answer the question of who CURRENTLY
is the rightful and lawful holder in Due Course.

If you are unable to provide this proof as I have requested, then you are not a party of
interest and cannot rightfully enforce your claim under U.C.C. - ARTICLE 3 § 3-301.

To further clarify our relationship, please provide an affidavit or a letter under penalty of
perjury stipulating that you or another alleged lender are a creditor following Generally
Accepted Accounting Principles (GAAP) whereby true double entry book accounting
was performed in issuing my loan showing a debit against the bank’s assets as a result
of my loan. If you are not the holder in due course, I require you to identify who the
holder in due course is and their address. If you are claiming to be the agent of the
holder in due course, this notice of demand is presented to you and you have an
obligation to notify the holder. Notice to agents is notice to principals. In a recent case
law, it was ruled as follows:

It is the creditor’s responsibility to keep a borrower and the Court informed as to

who owns the note and mortgage and is servicing the loan, not the borrower’s or
the Court’s responsibility to ferret out the truth…

It is worth repeating as a warning to lenders and servicers that the rules of this
Court apply to them. Their private agreements and the frenzied trading market
for mortgages do not excuse compliance with Bankruptcy Rules any more than
they would justify ignoring the Bankruptcy Code.

(In re: Nosek, 406 B.R. 434, 440 (D.Mass 2009) bankruptcy trial court decision)

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > § 1692g part b), this
debt is now officially in dispute. By law, all collection activities must cease until this
matter is resolved. You are hereby given notice. Blatant disregard for this law is subject
to fines by the FTC. You are advised to consult your legal counsel on this matter.

I am giving you formal notice that failure to respond to this letter through a verified and
validated proof of claim within 21 days as I have asked for, point for point will be taken
as an administrative default.

Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other
forms will not be acceptable.

Please send all correspondence including arrangements for me to inspect my

promissory note in COOK COUNTY, IL to:
Your Name Here
Any Address USA
Any City, State Zip Code


This instrument was acknowledged before me the ____ day of _______________, 2010,

By: ___________________________________

______________________________________ SEAL
Notary Public
cc: (Regular mail)
Federal Trade Commission
600 Pennsylvania Avenue NW
Washington, DC 20580

Office of Housing Enterprise Oversight (OFHEO)

1700 G Street, NW, Fourth Floor
Washington, DC 20552

Office of RESPA and interstate Land Sales

Office of Housing, Room 9146
Department of Housing and Urban Development
451 Seventh Street, SW
Washington, DC 20410

Government National Mortgage Association

451 Seventh Street, SW
Washington DC 20410
After receiving QWR / Demand letter please read over make sure Name, Address and Loan
numbers are correct before sending.


1st Be sure to have your QWR notarize, Mail certified to lender or if in foreclosure to both the lender and
it’s Attorney office, also with return receipt

2nd Make notes on computer or paper date mail out, date received lender received receipt.

3rd Start the count down within 20days to be notify by lender they received the QWR .

4th Wait within 60 days to receive answer back from lender. (if no response contact a local Attorney in
you City or State)

5th When received answers from lender use your leverage start negotiating with lender.

6th When they refuse to work with you immediately, contact a local Attorney in you City or State real
soon. ACTION!

For any questions Call 800.998.4711 Ex2 Carlos / Ex1 Michael

Respectfully Yours