Thanks for the replies so far guys.
I've prepared a Debt Validation Letter to send out. Could you guys please review it and see if if it's good to send out or if I should modify it or add anything else? Any help or advice would be extremely appreciated.
October 06, 2012
Hunt & Henriques
Attorneys at Law
151 Bernal Road, Suite 8
San Jose, CA 95119-1306
I am in receipt of your letter dated September 14, 2012, a copy of which is enclosed, wherein you claim I owe a debt of $2,000.00 to PORTFOLIO RECOVERY ASSOCIATES, LLC/ CHASE BANK USA, N.A. on an alleged account ending in 4388.
This letter will serve as notice that I am disputing the validity of the debt in its entirety, requesting verification of the debt in its entirety, and requesting the name and address of the original creditor. Verification of the debt is to include the following:
- A copy of the agreement between your client and the original creditor which gives your client the authority to collect on this alleged debt.
- An accounting of all transactions from the inception of the alleged debt. It must include all charges, fees, penalties, payments, and assessed interest.
Due to the serious nature of this matter, I do not wish to discuss this matter on the telephone. I request that all communication be in writing so that I may include your correspondence in my records