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[Your Name]
[Your Address]
[Your
City/State/Zip Code]
Via Certified Mail, Return
Receipt Requested # [Insert
Certified Mail Receipt Number here]
[Insert
today's date]
[Insert name
of Collection Agent]
[Insert Name
of Collection Agency]
[Insert
Collection Agency Address]
[Insert
Collection Agency City/State/Zip]
REF: Your Account # [Insert
the account number they're referencing]
Dear [Insert-choose
one: Mr./Ms.] [Last Name]:
The collection action referenced by the account number
above is not an enforceable action.
As you will be able to verify after
completing your due diligence, the date of last
activity/charge off on this account is [Insert
date of last activity or last payment; if unavailable,
estimate month and year].
Not only has this debt has long passed
the enforceability period; it has
also long ago passed the 7-year reportability period (as
defined in the Fair Credit Reporting Act) with any
credit bureau in the United States.
As a result, I consider this matter closed and trust you
will reflect the same in your files. If you have any
questions or comments regarding this account, please
contact me, in writing, at once.
Thank you for your prompt attention to this matter.
Sincerely,
[ Sign your name here]
[Insert your name
here]
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