«File_todaysdate»

«DEF_1Address»

Re:	Account #

To Whom It May Concern:

This letter is being sent to you in response to the letter sent to me dated ____________. Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION. I respectfully request that your offices provide my attorney with competent evidence that I have any legal obligation to pay you.

I have hired a lawyer to help me with this matter. His information is as follows:

Jason M. Krumbein, Esq.

Krumbein Consumer Legal Services, Inc.

1650 Willow Lawn Drive, Suite 201

Richmond, VA 23230

He only communicates in writing to avoid confusion.

Please provide my attorney 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 agree to pay you what you say I owe;

Identify the original creditor, if different from the current creditor;

Prove the statute of limitations has not expired on this account;

Show me that you are licensed to collect in the Commonwealth of Virginia;

Provide me a copy of any pooling and servicing agreement entered into by either the original creditor or the current creditor;

Provide me with your license numbers and registered agent.

Sincerely,

«BILLTO_Dear»

«BILLTO_Dear»