DATE

COLLECTION COMPANY
ADDRESS
CITY, STATE ZIP

Attn: The Owners of COLLECTION COMPANY and/or anyone else affiliated with the Owners of COLLECTION COMPANY in any way whatsoever.

YOUR NAME
YOUR ADDRESS
YOUR CITY, STATE, ZIP CODE

RE: Alleged CREDITOR Account, or any other account this firm may try to represent for me at anytime in the past, present or future.

This is my official notification to your firm that it is my right under the Fair Credit Collection Practices Act, Section 805-c to demand that you CEASE AND DESIST trying to collect the above, alleged debt in any manner whatsoever.

If you attempt to contact me in anyway, I will file charges against your company with the FTC, the National Chamber of Commerce as well as criminal charges against your firm.

As you know, there is NO provision under any law that allows collection of any debt without a lawful signed contract under full disclosure between the two parties involved in the trade.

I have NO contract with COLLECTION COMPANY. You know that it is also my right to file bankruptcy, if I choose to do so.

Furthermore, I demand that you immediately remove any information whatsoever that may be currently on file with the credit bureaus, because of your action or inaction, or I will file charges against your company on the basis of all or some of the following charges:

Fraud, (look up the definition in Black’s Law Dictionary and the penalties under 18 U.S.C. par. 1341); Conspiracy to Defraud since there is no basis for your actions. Your actions can only be lawfully defended if people volunteer. You are also in violation of the Federal Civil Rights Act and the Federal Social Security Act for abuse of unauthorized power, under cover of law, by demanding release of private financial information on the basis of a Social Security Number, which is a crime. You need to be reminded that your use of my Social Security Number was not for the purpose of any tax matter, obtaining a “Driver’s License”, registering a motor vehicle, or obtaining public assistance. As you may know, those are the only lawful reasons for use of a Social Security Number, as upheld by the courts, unless a person voluntarily surrenders his/hers civil rights. In this case, I, YOUR NAME, will under no circumstances give up any of my rights.

Thank you for your immediate attention to this matter.

With explicit reservation of all rights:

Sincerely,

YOUR NAME

cc: CREDITOR(S)