Dattwing,


You mentioned that this is your first time in this situation.& I think that it is great that you are willing to write your own letters.&


I would like to point out that it is always good to remain confused.& I might say something like the following:


Dear Debt Collector Thief,


I am receipt of a letter from you dated April 22, 2004.& I'm confused.& I don't know who you are.& I do not have a contract with you.& Could you please provide me with certified verification of the alleged debt that you have referred to in the above referrenced letter?
I would also like to see any alleged assignment of contract that you have in referrence to the alleged debt.&
You have 30 days to provide this to me.


Signed,
I'm Not Stupid


Now that is a very quick paraphrase and I would certainly like a second opinion from others on this forum.& What I am trying to get at by asking them to provide a copy of the assignment is that by doing so, they will most likely provide you with proof that they purchased the debt.& The assignments that I have seen say, "(original creditor name) does hereby assign, sell, transfer and convey".& So if you can get that piece of paper from them, you have a little more backing with the next letter that you right.& If you even have to write another letter.


Whenever I have asked for verification, they always send me some photocopies, which of course is not verification.& I have asked for the assignments in the past and they either go away right then, or they send me the assigments and then I point out to them that they have committed a felony and then they go away.


So, if I am wrong in my above letter.& Somebody please point it out ASAP so that I do not lead others in the wrong direction.& Also, there needs to be some expansion on the 30 day part but it's late, so maybe tomorrow I can think more about it.


Later,
SJ