First off, they never send a “Bill,” they send a Statement.  Whenever they call or write, ask them to send Verification of the debt.  They will send a bunch of Statements that are not certified.  That is not Validation.  But they act as it is.  Respond to that letter for lack of Validation.  Look up Validation in a Legal Dictionary.  It is a Sworn Statement under oath of penalty of perjury.  Read the Federal Fair Debt collection practice act.  Scroll down to 15 USC 1692g and get a good understanding of what it is saying.

Who is the Original Creditor?  We are.  Form your questions to what 1692g is saying, and ask them to send Verification under penalty of perjury.  Now they can’t do that.  Don’t state that you’re the Original creditor because you will have to back it up.  They cannot answer your questions under Penalty of Perjury.  They cannot respond to your letter.  According to 1692g(b) they “Shall” cease collection of the debt when it is disputed.

I take my replies to a notary, and take an oath that what I’m stating is true. The notary attaches a Jurat.  I pay another $10 to her for a Certified copy. I keep the original.  Mail Certified copy using Certified mail so you have a signed receipt.

“The fact is that the average man’s love of liberty is nine-tenths imaginary, exactly like his love of sense, justice and truth. He is not actually happy when free; he is uncomfortable, a bit alarmed, and intolerably lonely. Liberty is not a thing for the great masses of men. It is the exclusive possession of a small and disreputable minority, like knowledge, courage and honor. It takes a special sort of man to understand and enjoy liberty– and he is usually an outlaw in democratic societies.”                                                                                           –H.L. Mencken, Baltimore Evening Sun, Feb. 12, A. D. 1923.


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