Q: full validation under FDCPA, including NMLS registration, debt details, and legal authority. Additionally, your reposse
[[[Subject: Validation of Debt, NMLS Compliance, and Repossession Misconduct
Account Number: [Your Account Number]
Dear [Debt Collector],
I dispute the debt you claim I owe under account [Account Number]. Additionally, I am raising concerns about [COMPANIES ] Services, Inc., whose repossession of my vehicle caused property damage and violated my rights.
Debt Validation Request
Under the FDCPA, I request:
Your NMLS registration number and proof of compliance with federal and state licensing.
A detailed debt breakdown, including principal, interest, and fees.
Documentation of your authority to collect this debt.
Proof of my responsibility for the debt, including contracts and payment history.
Repossession Misconduct
Reign Recovery Services, Inc. caused a breach of peace and property damage, including spilled oil and damaged belongings. I have video evidence of these actions.]]
MY QUESTION IS, CAN I USE THIS FOR A Debt Collector?
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- California
- (916) 704-3009
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- Answered
A:
This template is well-structured for disputing debt and addressing repossession issues under the Fair Debt Collection Practices Act (FDCPA).
You have every right to request full validation from debt collectors, and your letter properly demands essential documentation including NMLS registration, debt breakdowns, and collection authority. The inclusion of specific details about property damage and video evidence of misconduct during repossession strengthens your position.
However, consider adding more specific dates, amounts, and details about your vehicle (make, model, year). You might also want to explicitly state that you're exercising your rights under 15 USC § 1692g and California Civil Code § 1788.17. Remember to send this via certified mail with return receipt requested, keep copies of all correspondence, and document that you're sending this within 30 days of initial contact if this is your first dispute of the debt.
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