Kinh Tế, Tài Chánh & Xí Nghiệp - lúc 1:30 trưa thứ Bảy - May 02

GS TS Khương Hữu Lộc phụ trách
 
Dưới đây là lá thư mẫu gửi cho các công ty đòi nợ.
 
Your name
E-mail
Phone number
 
Via Certified Mail, Return Receipt Requested
 
 
 
January XX, XXXX
 
XXX Collection Services XXX
P.O. Box 2049
Castro valleyCA94546-0049
 
Re: File # XXXXXXXxxxxxxxxxxxx
 
To: Ms Xxxxxxxxxx, and
To Whom It May Concern,
 
We understand that the XXX company has recently referred this account to your organization for collections.
 
You are hereby notified under provisions of Public Laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act which prohibit against unfair collection practices, and that your services are no longer required.
 
1.         Since the amount claimed is grossly incorrect, and I am disputing the validity of this debt directly with XXX company. I am exercising my right under the Federal laws to work directly with XXX company so that they can provide a complete and corrected reconciliation of my account and refuse to deal with any Credit collection agency.
2.         Your organization must CEASE & DESIST immediately all attempts to collect the above debt. Failure to comply with this law will result in my immediate filing a complaint with the Federal Trade Commission and this state’s Attorney General’s office. I will also pursue all criminal and civil claims against you personally and corporately against your company.
3.         You are hereby notified that your past telephone calls have embarrassed me with my families, in-laws, neighbors, etc., and that you are put on noticed that any future collection call to my relatives and friends are not allowed.
4.         Let this letter also serve as your warning that I have in my possession telephone answering recordings of your collection calls that have caused me embarrassment and a loss of reputation. We may utilize telephone recordings in the future in order to document any telephone conversation that we may have in the future.
5.         Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies, both civilly and criminally, as available to me by law.
6.         Your collection practices are clearly in violation of state and federal laws and we fully intent to seek legal remedies
7.         Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Their demand and statement as provided are unenforceable.
 
Sincerely,
 
Name 
Cc: Xxxxxxxxxxxxxx, Esq.