[RWebb]

I am not an attorney in your jurisdiction, am not taking your case, do not take private clients at all, and assume no liability whatsoever for whatever...

but I did find this on the big bunch of connecting tubes that they call the internet:


Dear Collector,
I am writing in response to your attached letter or phone call because I do not believe that I owe what you say I owe.
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following:
• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
• Provide a verification or copy of any judgment if applicable;
• Identify the original creditor;
• Show me that you are licensed in Oregon, and provide me with your license numbers

I also demand that you immediately send a copy of this dispute letter to the company that you allege I owe money to, so that they do not report this on my credit report. I further demand that, if you have reported me to a credit reporting agency, you tell them that I have placed the debt in dispute and provide me with proof that you have done so.

Finally, stop contacting me about this or any other matter, except via mail and then only to:
1. advise me debt collection efforts are being terminated;
2. notify me that you or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.