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***Below is a Sample Letter that you can use as a guideline to contact the company that purchased the debt. You may choose to fax it, mail it, send it Certified Mail or do all three. I suggest your change the letter up a bit to suit your specific claim and writing style. This letter does not constitute representation and should not be used in place of legal counsel.*****

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Third party Debt Purchasers

Attention: Compliance Department

Re: Credit reporting on alleged account under Social Security # ____________________

Dear Sir/Madam:

I recently reviewed my credit report to discover that you are reporting on my credit report. I have no knowledge of ever receiving a notice of collection from you nor have I had any direct dealings with you.

I also noticed you took it upon your self to report a false recent date of last activity which is against the Fair Credit Reporting Act and a clear violation of my consumer rights. I have already filed complaint with the Federal Trade Commission and my states Attorney Generals Office against you.

Since you are alleging that I owe you monies, have a personal debt with you and are reporting on my credit report please forward the following information. I am disputing this debt is mine:
  1. Copy of the original application showing terms of agreement.
  2. Summary of my account activities – including all purchases, payments, late charges, date of payments received and date payments posted.
  3. All documents signed by me proving the amount of obligation.
  4. Documented proof that this is my obligation.
  5. Copy of the purchase agreement between ______ and your corporation.
  6. Copies of any and all collection notices sent me by your corporation.

If you cannot supply me with this pertinent information within 30 days, then I demand that you cease reporting this information and instruct the credit bureaus to remove the incorrect record from my credit reports.

Per the Federal Fair Debt Collection Practices Act you are also given notice to only communicate with me in writing. Any phone calls will be recorded and used against you. You may contact me in writing to inform me if you intend to evoke a specific remedy.

Your prompt attention to this matter is requested. Sincerely,
Informed Consumer
CC: Credit Bureaus


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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.