Self Help – Stop Collections Letters

Keep this very simple. 1. Sign and date using a notary witness where applicable. 2. Follow the schedule, even if they call or threaten action. Your follow up is the key. 3. They may give up collecting after this (they typically do), then another collection agency may further start again on the SAME debt. This happens because the previous collection agency sold off the debt to another agency…which is to your advantage. The new agency will have an even more difficult time answering in that case. Do the same process with every collection office who contacts you, until they stop. 4. At some point the debt will become worthless to these agencies. You may even be able to buy out the final debt paper for pennies on the dollar and report it as settled on your credit report if needed. 5. To save even more money and tie up each case more tightly, we also suggest having Jurisdictionary or Prepaid Legal on your side to send any final follow up letters for you, after you have completed these letter processes on these alleged creditors. Do this especially if the collection agent does not go away or remove derogatory credit per as outlined in these letters.
6. Enrollment link for Jurisdictionary or Prepaidlegal is: Jurisdictionary or

www.prepaidlegal.com Do this before you start the letter writing process or they may not cover that particular need, because it was pre-existing case.

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addresses. 2 . b. I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions: Condition #1. legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation. RCW 19. and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition #1 above. Condition #2. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed. The names. STATE. ZIP RE: ISSUE AS STATED IN THEIR CORRESPONDENCE TO YOU You are hereby ordered to CEASE AND DESIST any/all phone calls and actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act. associations. signed under Penalty of Perjury as follows: a.16 and 19.3. dates and durations of time during which any and all persons. YOUR NAME STREET ADDRESS CITY. Provide me with a sworn and notarized Affidavit. In an effort to settle this matter in the most efficient possible manner. Corporations.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. STATE. ZIP DATE CREDITOR/COLLECTION AGENCY STREET ADDRESS CITY. That your client is the bona fide party in interest and Holder in Due Course of the aforementioned Contract. RCW 62A.DELETE: Conditional acceptance letter for a collection agency on any debt the claim is owed.

denials and counter claims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim. f. That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is. which clearly and unequivocally make me liable for this alleged debt. That since initiating this claim. That as a claimed debt collector. in fact. Condition #6. c. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me. prior to instigating this action and making said claim. a legitimate and bona fide debt. Provide Certified and Notarized copies of documents showing that you are or represent a bona fide creditor in a collection process to include: a. That you know. A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim. did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner. That you. both Federal and State. g. e. A notarized copy of the Bond on file with the State of Washington allowing your firm to operate as a collection agency. your firm. A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of Washington(replace with you state) as a collection agency. signed and sworn to by the authorized person responsible for maintaining these records and having firsthand knowledge as to their accuracy and authenticity. your firm or associates under your employ. b. d. and are able and willing to testify to same under oath to that effect.c. Provide the statutes and enforcing regulations. Provide written verification in the form of a signed. and that all relevant correspondence. challenges. Condition #4. sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action. you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties. 3 . Condition #5. or associates under your employ. understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. Condition #3. did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.

showing the name(s) of any and all debtors and the respective bona fide creditor(s) as the secured party(s). previously or presently. Condition #14. intimidations. Condition #9. this entire matter would constitute fraud on their part. provide certified copies of the registered claim upon which you are collecting. violated or circumvented to the detriment of the Affiant pertaining to this alleged claim. which clearly and unequivocally allow for the collection of this alleged debt. Provide a sworn and Notarized Affidavit. Condition #10. Provide the statutes and enforcing regulations. Condition #12. will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats. address(es) and telephone number(s) of the bona fide creditor(s) pertaining to this alleged debt. Provide the national and regional credit and debit card network Rules and Regulations governing electronic payments and ATM transactions. Condition #13. PLEASE NOTE: Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number. Condition #11. Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim. as well as constituting that you and/ 4 . Provide verifiable proof that any actual “money” was ever created or loaned to me by the named creditor(s) whom you claim to represent. specifically the production of all versions of the manual in each case for each service/ buyer/ successor/ transferee regarding this alleged claim. after Verifiable Receipt of this Notice of Conditional Acceptance. and in which case. and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt.Condition #7. signed under Penalty of Perjury. If you are acting as an Agent. at any time. Condition #8. Provide the name(s). is authorized by such Statutes and enforcing Regulations. deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists. that all the Rules and Regulations of the National and Regional credit and debit card network Rules and Regulations were never. Provide proof that your “Notice of Debt Collection”. both Federal and State. as well as now yours.

point basis. under your full commercial liability.or your firm knew or should have known that by such communication. Further. via sworn Affidavit. which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating. and is. as well as provided by numerous laws and regulations. Declarations are an insufficient response. record and/or documentation. until or unless you have fully satisfied all of my demands and claims as stated herein and previously. and that you have no right or basis to pursue any further collection. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer. both Federal and State. will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever. (summary judgment). signing under penalty of perjury. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in considered notice to any and all principals. correct and complete. sending me written withdrawal of your claim. which no honorable draft may contain. shall be deemed as an Agreement with the facts as 5 . your failure to fully and completely respond on a point-by-point basis. that the facts contained therein are true. before responding to this Conditional Acceptance. You have twenty one (21) days from receipt of this Conditional Acceptance to respond on a point-by. what you have heretofore attempted to do was. Moreover. false and therefore unlawful. as declarations permit lying by omissions. as well as ANY ACTIVITY by you or your firm to secure payment with a “Writ of Garnishment”. and assure you that you do so at your own peril and risk. pertaining to this alleged claim. my reputation. my standing in the community as well as to intentionally inflict financial and emotional harm upon me. or in the alternative. and not misleading in any manner whatsoever.

payable to your name as compensating damages.S. UCC 1-207 and RCW 62A.C.stated in the attached Affidavit. and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of $75. Should you pursue a judgment without validating this debt. Authorized Representative _______________________201__ Date 6 . x_______________________________ Your name. 1746(1). All rights are reserved without prejudice.1-207..000. Signed from “without” the “United States” in accordance with 28 U. I have disputed this debt. until validated you know your information concerning this debt is inaccurate.00 USD. therefore. you must immediately inform them of my dispute with this debt. if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then. Sec. I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Thus. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2.

is competent to state the matter included in this Declaration. 6. STATE. Affiant is not in possession of documentation that proves Respondent’s claim that they represent a bona fide creditor with respect to Affiant. 7. 7 . Affiant is not in possession of documentation that proves Respondent’s alleged obligation that is now claimed as owed. Affiant is not in possession of documentation that proves Respondent’s claim that Affiant is a party to a security agreement supporting their claim. Affiant is not in possession of documentation that proves Respondent’s claim that they have the authority to enforce a collection against Affiant. Consider sending copies of both letters to all 3 credit bureaus with a cover letter requiring the bureaus remove derogatory items from your credit bureau pending the alleged creditor's verfication of debt according to the requirements of the enclosed letters. correct. YOUR NAME STREET ADDRESS CITY. 4. ZIP DATE Your State Your County) Declaration by Affidavit in Support of Conditional Acceptance Having been duly sworn. that the statements made in this Affidavit are true. according to the terms stated the items are to be removed after 30 days. Affiant is not in possession of documentation that proves Respondent’s claim that there is a bona fide creditor with respect to Affiant. YOUR NAME. 2. Affiant is not in possession of documentation that proves Respondent’s claim that they have a registered commercial claim against Affiant. Affiant.DELETE: FOLLOW UP LETTER TO SAME ALLEGED CREDITOR AFTER 21 DAYS. Affiant declares the following: 1. complete and not meant to mislead and are made under full commercial liability. 3. Inform the bureaus that if the alleged creditor does not verify or prove the creditor's standing. has knowledge of the facts and hereby declares that to the best of her knowledge. 5.

11. Affiant is not in possession of any documentation that provides the statutes and enforcing regulations which clearly and unequivocally allows for the collection of this debt as Respondent asserts in their “Writ of Garnishment”. 14. Affiant is not in possession of any documents that prove or disprove the creditor asserted by Respondent has complied at all times with national and regional credit and debit card network rules and regulations governing electronic payments and ATM transactions. addresses. statute or enforcing regulations that proves Respondent’s claim that Affiant is clearly and unequivocally liable for this alleged debt. 8 .8. _____________________________________ . and telephone numbers of the bona fide creditors asserted by Respondent. Affiant is not in possession of any documents that prove the creditor asserted by Respondent is in fact the secured party and/or holder in due course. Affiant is not in possession of any documents that prove that the creditor asserted by Respondent ever did loan Affiant any real money. Affiant is not in possession of any documentation that proves Respondent’s “Notice of Debt Collection” is authorized by statute and enforcing regulation. Affiant is not in possession of any documentation. 9. 10. did personally appear before me and executed the foregoing. Further Affiant sayeth not. 16. a Notary Public for _______________ County and ____________ State. Affiant is not in possession of any documentation that proves Respondent’s proof of signatures and status as holders in due course. X_______________________ _______20__ Your State Your County ACKNOWLEDGEMENT I. Affiant is not in possession of documents that provide and prove whether Respondent is or is not acting in the capacity of an agent. 15. do hereby certify that _______________________________. Affiant is not in possession of documents that provide and prove the names. 12. 13.

201__.Witness my hand and seal this ________ day of ______________. x_________________________________ ________________20___ Notary Public My Commission Expires 9 .

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