NOTICE From: <043 <04330 30-2 -225 259 9> Hereinater !o""e!ti#e"y reerred to as $C"aimant% To: <)* +o 9044> <eme!u"a, CA.> <9259-9044> Hereinater !o""e!ti#e"y reerred to as /&S)*N&N, you, your !om1any RE: A""e(ed a!!ount <0000000000000>
Certiied ai" <009 000 0002 229 2944>
09009 NOTICE OF DISPUTE; DEMAND FOR VALIDATION AND PROOF OF CLAIM
o 6hom it ay Con!ern his "etter is 7ein( sent to you in res1onse to a !om1uter (enerated, unsi(ned "etter dated Au(ust 24, 2009 893:, "etter re!ei#ed 7y C"aimant rom your oi!es. +e ad#ised that your !"aim is dis1uted and #a"idation and 1roo o !"aim o the dis1uted de7t is re'uested in a!!ordan!e ;ith the Fair Debt Collection Practices Act !" USC # !$%& an' as amen'e' b( a''in) t*e +ollo,in) ne, Title - USC # -.& et se/0 and the Fair Cre'it 1illin) Act !" USC0 # !$$$ et se/0 A"" o ;hi!h ;or in !on=un!tion ;ith ea!h other, in!"udin( the Tr2t* In Len'in) Act 3TILA4 !" USC !$.! et se/0 t is not no;, nor has it e#er 7een, my intention to a#oid 1ayin( any o7"i(ation that is "a;u""y o;ed 7y the C"aimant. n order to mae arran(ements to 1ay an o7"i(ation ;hi!h may 7e "a;u""y o;ed, 1"ease do!ument and #eriy the $de7t% 7y !om1"yin(, in (ood aith, ;ith this re'uest or #a"idation and return it to me, ;ithin thirty 830: days o re!ei1t o this "etter. his is N* a re'uest or $#erii!ation% or 1roo o C"aimant mai"in( address, 7ut a re'uest or ?A@A*N and )/** * C@A made 1ursuant to the a7o#e named it"es and Se!tions. res1e!tu""y re'uest that your oi!es 1ro#ide C"aimant ;ith !om1etent e#iden!e as 1er the atta!hed $e!"aration and )roo o C"aim% that ha#e any "e(a" o7"i(ation to 1ay you the unsu7stantiated a""e(ed de7t. urthermore you sha"" !ease a"" #er7a" !ommuni!ation. No 1hone !a""s to the C"aimant. At this time ;i"" a"so inorm you that i your oi!es ha#e re1orted in#a"idated inormation to any o the 3 ma=or Credit +ureaus, su!h as, E/2i+a5, E56erian and TransUnion 1rior to #a"idation and 1roo o !"aim o the dis1uted de7t, this a!tion mi(ht !onstitute raud under 7oth edera" and State @a;s. ue to this a!t i any ne(ati#e mar is ound on any o C"aimant !redit re1orts 7y your !om1any or the !om1any that you re1resent ;i"" not hesitate in 7rin(in( "e(a" a!tion a(ainst you and your !"ient or the o""o;in(B ?io"ation o the air Credit /e1ortin( A!t ?io"ation o the air e7t Co""e!tion )ra!ti!es A!t eamation o Chara!ter ?io"ation o Dnited States Code TITLE !- PART ! C7APTER $8 § !89! 8ai" raud: his de7t is !onsidered to 7e in#a"id unti" re!ei#e 1ro1er #a"idation and your oi!es 1ro#ide C"aimant ;ith 1roo o !"aim o the dis1uted de7t. Your oi!es ha#e 30 days to 1rodu!e the re'uired do!umentation in a!!ordan!e ;ith C (uide"ines. urin( this #a"idation 1eriod and 1roo o !"aim, i any a!tion is taen ;hi!h !ou"d 7e !onsidered detrimenta" to any o C"aimant !redit re1orts, said a!tion ;i"" 7e !onsidered a $dishonor% and !ause the se"-ee!utin( !ontra!t 1ortion o this noti!e to 7e im1"emented. his in!"udes any "istin( any inormation to a !redit re1ortin( re1ository that !ou"d 7e ina!!urate or in#a"idated. your oi!es ai" to res1ond to this #a"idation and 1roo o !"aim re'uest ;ithin 30 days rom the date o your re!ei1t, a"" reeren!es to this a!!ount must 7e de"eted and !om1"ete"y remo#ed rom C"aimant !redit i"e and a !o1y o su!h de"etion re'uest sha"" 7e sent to C"aimant immediate"y. Title - USC # -.%0 Vali'ation o+ 'ebts !" USC !$%&)
87: the !onsumer notiies the de7t !o""e!tor in ;ritin( ;ithin the thirty-day 1eriod des!ri7ed in su7se!tion 8a: that the de7t, or any 1ortion thereo, is dis1uted, or that the !onsumer re'uests the name and address o the ori(ina" !reditor, t*e 'ebt collector s*all cease collection o+ t*e 'ebt or an( 'is62te' 6ortion t*ereo+ , unti" the de7t !o""e!tor o7tains #erii!ation o the de7t or any !o1y o a =ud(ment, or the name and address o the ori(ina" !reditor, and a !o1y o su!h
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+@ACEFS @A6 C*NA/YB VERIFICATION . Conirmation o !orre!tness, truth, or authenti!ity, 7y aida#it, oath, or de1osition.
Co2nter Claim ,it* Sel+=e5ec2tin) Contract
/es1ondent, su!h as 7y !ommission, omission, and other;iseB 8a: 87: 8!: 8d:
ai"s to 1ro#ide ?A@A*N and )/** * C@A ;ithin thirty 830: days aes a a"se re1resentation o the !hara!ter o the herein a7o#e-reeren!ed a""e(ed de7t aes a a"se re1resentation o the "e(a" status o the herein a7o#e-reeren!ed a""e(ed de7t aes any threat o a!tion that !annot "e(a""y 7e taen, in #io"ation o any a11"i!a7"e "a;, su!h as, the "a; !odiied at the Fair Debt Collection Practices Act,
;i"" 7e !onstrued to 7e /es1ondentFs ta!it a!!e1tan!e o the terms and !ondition stated herein. n ;hi!h !ase /&S)*N&N a(rees toB 8e: 8: 8(: 8h: 8i:
?o"untari"y re1ort this a!!ount to a"" !redit 7ureaus as $1aid as a(reed% and, ?o"untari"y ;ai#e a"" !"aims a(ainst C"aimant, their A(ent or Heirs ;ith 1re=udi!e and, he matter re(ardin( the a""e(ed de7t is ina""y and tota""y sett"ed and, ?o"untari"y admits the C"aimant is the de1ositor or this a!!ount, that /es1ondent rised none o their assets at any time re(ardin( this a!!ount and that they ai"ed to dis!"ose these materia" a!ts to C"aimant and, ?o"untari"y re1ort the date o "ast a!ti#ity on this a!!ount is the date o this noti!e.
urthermore, /&S)*N&NFS ai"ure to $Cease and esist% in a!!ordan!e ;ith the re'uirements o the C)A and other re"ated "a;, andor satisy the a7o#e $terms and !onditions,% !onstitutes /&S)*N&NFS $+rea!h o uty% and #o"untary a(reement to !om1ensate C"aimant, 7y !ertiied mai", ;ith a !ashierFs !he! ;ithin thirty 830: days o the date o 7i""in( 7y C"aimant, their A(ent or Heirs, in the o""o;in( amountsB I)
*ne housand o""ars 8G,000.00: or ea!h !ommuni!ation made to C"aimant or their A(ent or Heirs, ;hether te"e1honi!a""y or in ;ritin(, ;hi!h is not in aida#it orm, 7y a 1erson ;ho has irst hand no;"ed(e, re(ardin( /es1ondentFs unsu7stantiated !"aim and,
II)
ity housand o""ars 8G50,000.00: or ea!h transa!tion initiated 7y C"aimant ;here C"aimantFs !ommer!ia" a7i"ity is im1eded due to you, your a(entsF or assi(ns ad#erse !redit re1ortin( and,
III) i#e housand o""ars 8G5,000.00: or ea!h !ourt a11earan!e C"aimant, their A(ent or Heirs maes in res1onse
to /es1ondentFs unsu7stantiated !"aims and, IV) /&S)*N&N o;es C"aimant the 7a"an!e e'ua" to the 1ur1orted !redit "imit on this a!!ount, 1"us interest and
ees, or money "ent and, V)
hree times the a""e(ed !"aim amount o one hundred sity-i#e thousand nine hundred se#en do""ars 8GI5,90.00: ;hi!h e'ua"s 8G49,2.00: and,
VI) i#e housand o""ars 8G5,000.00: 1er o!!urren!e, or "istin( or re1ortin( any inormation to a !redit re1ortin(
re1ository ;hi!h !ou"d 7e !onsidered detrimenta" to C"aimantFs !redit history and, VII) )uniti#e dama(es in the amount o 8G22,000.00: and VIII)e7t Co""e!tor ta!it"y a(rees that e7t Co""e!tor ;i"" !om1ensate /es1ondent or a"" !osts ees and e1enses
in!urred in deendin( a(ainst this and any and a"" !ontinued !o""e!tion attem1ts 87y anyone: re the a7o#ereeren!ed a""e(ed a!!ount /&S)*N&N a"so a(rees toB . ?o"untari"y authoriJe C"aimant to re!ord a DCC- on /&S)*N&N as de7tor to se!ure the de7t o;ed C"aimant and, 2. ?o"untari"y 1ro#e their !"aim as a /&S)*N&N in 1ossession o C"aimant 1ro1erty in a in#o"untary 7anru1t!y 1ro!eedin( 1ro!ess and, 3. ?o"untari"y !om1ensate C"aimant or A@@ !osts and attorneys!onsu"tant ees and, 4. /eso"#e A@@ !"aims 7y C"aimant, a(ainst /es1ondent, et a", e!"usi#e"y and ina""y throu(h 7indin( ar7itration, i ne!essary, to enor!e the a7o#e terms, !onditions, ees, 1ena"ties and dama(es. Ar7itration re1"a!es the ri(ht to (o to !ourt e!e1t to !onirm an ar7itration a;ard. he ar7itration or(aniJation that is se"e!ted ;i"" a11"y its !ode or 1ro!edure in ee!t at the time the ar7itration is i"ed, su7=e!t to this a(reement. he ar7itration ;i"" 7e !ondu!ted 7eore a sin("e ar7itrator. he ar7itratorFs authority is "imited so"e"y to the C"aims 7et;een C"aimant and /es1ondent Debt Validation Proof of Claim –
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a"one. he ar7itration ;i"" not 7e !onso"idated ;ith any other ar7itration 1ro!eedin(. C"aimant 1re#ai"s in the ar7itration o any C"aim a(ainst /es1ondent, /es1ondent ;i"" reim7urse C"aimant or any ees C"aimant 1aid to the ar7itration or(aniJation in !onne!tion ;ith the ar7itration. Any de!ision rendered in su!h ar7itration 1ro!eedin(s ;i"" 7e ina" and 7indin( on the 1arties, and =ud(ment may 7e entered in a !ourt o !om1etent =urisdi!tion. his ar7itration 1ro#ision a11"ies to a"" C"aims no; in eisten!e or that may arise in the uture. he ar7itration 1ro#ision sha"" sur#i#e any #o"untary 1ayment o C"aimantFs !"aim a(ainst /es1ondent, in u"", or any 7anru1t!y 7y /es1ondent. his is a 1ri#ate !ommuni!ation and is intended to ae!t an out-o-!ourt sett"ement o this matter. Condu!t yourse" a!!ordin("y. Shou"d any 1ro#ision on this a(reement 7e ound to not 7e enor!ea7"e 7y order o a !ourt o !om1etent =urisdi!tion, it sha"" not ad#erse"y ae!t any other 1ro#ision o this a(reement and reasona7"e o11ortunity and eort sha"" 7e taen to modiy it to 7e!ome enor!ea7"e. >E/2alit( 2n'er t*e La, is PARAMOUNT an' MANDATOR? b( La,@ NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor
Executed on this 8th day of September !00" by ################################## <$our %ame &ere Sr'> Agent for <$(* %A+E &E*E S*'> You are the second party that has written a etter purportin! to represent" or ha#e as your cient" $es %ar!o &an'" the (irst was not re!istered as a de)t coector in *aine and they ha#e not answered the de)t #aidation re+uest presented to the,- T his is Notice that I do not reco!ni.e the Respondent (ro, which the Cai,ant has recei#ed a co,puter !enerated de)t coection atte,pt" and I ,ust necessariy dispute part" or a" o( the ae!ed de)t unti the (oowin! is recei#ed---
CREDITORDE1T COLLECTOR DECLARATION an' PROOF OF CLAIM Please 6ro
.
A""e(ed Name and Address o Creditor
2.
Name on i"e o A""e(ed e7torB
3.
A""e(ed A!!ount B
4.
Amount o a""e(ed de7tB
5.
ate that this a""e(ed de7t 7e!ame7e!omes 1aya7"eB
I.
ate o ori(ina" !har(e o or de"in'uen!yB
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Amount 1aid i de7t ;as 1ur!hasedB
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)"ease atta!h a !o1y o any si(ned a(reement a""e(ed de7tor!"aimant has made ;ith de7t !o""e!tor, or other #eriia7"e 1roo that de7tor!"aimant has a !ontra!tua" o7"i(ation to 1ay de7t !o""e!tor.
9.
urnish a !o1y o the ori)inal 6romissor( notea(reement reda!tin( my so!ia" se!urity num7er to 1re#ent identity thet and state that your !"ient named a7o#e is the ho"der in due !ourse o the note a(reement and ;i"" 6ro'2ce t*e ori)inal +or m( o,n an' a 2')es ins6ection shou"d there 7e a tria" to !ontest these matters.
0. )rodu!e the a!!ount and (enera" "ed(er statement sho;in( the +2ll acco2ntin) o the a""e(ed o7"i(ation that you are no; attem1tin( to !o""e!t. Su!h as FR &.9$ balance s*eet 3OM1 s &.9$ &.9% &.%%4 !.%% OID re6ort S=8A re)istration statement 9&9=1" 6ros6ect2s RC=S G RC=1 call sc*e'2les . dentiy 7y name and address a"" 1ersons, !or1orations, asso!iations, or any other 1arties ha#in( an interest in "e(a" 1ro!eedin(s re(ardin( the a""e(ed de7t.
Debt Validation Proof of Claim –
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2. ?eriied s1e!ii!a""y, name8s: o 1erson8s: assi(ned as rustee to hand"e Cor1orations aairs and to 7e he"d a!!ounta7"e or the a!tions o the Cor1oration. Su!h as C* and su7ordinates res1onsi7"e or de7t !o""e!tions. 3. ?eriy as a third 1arty de7t !o""e!tor, you ha#e not 1ur!hased e#iden!e o the a""e(ed de7t and are 1ro!eedin( ;ith !o""e!tion a!ti#ity in the name o the ori(ina" maer o the note. 4. ?eriy you no; and understand that !ertain !"auses in a !ontra!t o adhesion, su!h as a so-!a""ed orum se"e!tion !"ause, are unenor!ea7"e un"ess the 1arty to ;hom the !ontra!t is etended !ou"d ha#e re=e!ted the !"ause ;ithout im1unity. 5. )ro#ide #erii!ation rom the stated !reditor that you are authoriJed to a!t or them. I. ?eriy that you no; and understand that !onta!tin( me a(ain ater re!ei1t o this noti!e ;ithout 1ro#idin( 1ro!edura""y 1ro1er #a"idation o the de7t !onstitutes the use o interstate !ommuni!ations in a s!heme o raud 7y ad#an!in( a ;ritin(, ;hi!h you no; is a"se ;ith the intention that others re"y on the ;ritten !ommuni!ation to their detriment a #io"ation o Dnited States Code TITLE !- PART ! C7APTER $8 # !89! . is1utin( the e7t, ated this KKKKKKKKK day o KKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKK, 2009.
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State o <aine> County o
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Su7s!ri7ed and Airmed and ha#in( 7een du"y s;orn to at KKKKKKKKKKKKKKKKKKKKKK 8to;n!ity: 7eore meKKKKKKKKKKKKKKKKKKKKKKKKKKKK, a Notary )u7"i! or the said !ounty and state as a7o#e noted, do here7y state that the "i#in( man, , 1ersona""y a11eared 7eore me and si(ned the ore(oin( instrument. 6itness my hand and oi!ia" sea" thisKKKKKKKKKKKKKday oKKKKKKKKKKKKKKKKKKKK, <2009>.
KKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKKK Notary )u7"i! Si(nature
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Debt Validation Proof of Claim –
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