CREDITOR NAME HERE		
123 RIPOFF LANE
ANOTHER TOWN, TX 54321
											November 13, 2003
Re: Validation or Verification of alleged claim or Debt 
Account # 123456789
Dear Chief Financial Officer,

Notice of Fault

	John Henry Doe is uncertain how CREDITOR NAME HERE misinterpreted John Henry Doe’s request for a validation or verification regarding the alleged debt. In any event we are definitely creating and documenting first hand knowledge and evidence of CREDITOR NAME HERE’s refusal to cooperate in bad faith regarding my requests. 

This is John Henry Doe’s final tender requesting validation as well as Assurance of Due Performance that CREDITOR NAME HERE loaned CREDITOR NAME HERE’s shares, securities in any manner whatsoever to purchase the sale of alleged installment loan agreement. Absent this, CREDITOR NAME HERE is in possession of stolen or forged documents

CREDITOR NAME HERE’s alleged debt is in dispute. Is it not true according to the alleged agreement you refer to, “that balances in dispute are not subject to collection until a resolution has been made?”

	According to the Uniform Commercial Code or the Fair Debt Collection Practices Act, as the courts interpret them, CREDITOR NAME HERE may only collect the amount CREDITOR NAME HERE tendered for consideration to purchase a debt. John Henry Doe requests the exact amount of legal tender that CREDITOR NAME HERE paid from their own assets to substantiate consideration. If CREDITOR NAME HERE is unwilling to voluntarily disclose such information it can be compelled by court subpoena or by Demand for Production of Documents in Discovery.

	John Henry Doe requests in good faith CREDITOR NAME HERE’s written assurance that CREDITOR NAME HERE has in its possession the original, unaltered, signed by all parties agreement you base your alleged claims. Absent the original agreement CREDITOR NAME HERE has no entitlement or creditor or holder-in-due-course status, and is effectively held in estopple.

	John Henry Doe tenders in good faith this final offer of performance to pay in the alleged amount after John Henry Doe obtains from CREDITOR NAME HERE’s Chief Financial Officer a bone fide, true and correct notarized signature on the herein attached 3 page Affidavit showing that there was not a “Breach of Fiduciary Duty”. 

CREDITOR NAME HERE may object to this offer or object to the mode of this offer but CREDITOR NAME HERE may not refuse this offer, without creating a discharge.

	John Henry Doe is unaware of any contract(s) that John Henry Doe has with CREDITOR NAME HERE and until John Henry Doe receives an unaltered or un-counterfeited document with CREDITOR NAME HERE and John Henry Doe’s signature together CREDITOR NAME HERE is in fault and waives any and all claims in any manner whatsoever.

Reserving of all John Henry Doe’s rights,

_________________________

AFFIDAVIT

Affidavit of Good Faith and Full Disclosure
of the Terms and Execution of the Account Agreement

Bank or Credit Finance Company: CREDITOR NAME HERE, 

Account number: 123456789, hereinafter "Agreement" Retail Installment Sale Contract.

Alleged Borrower: JOHN HENRY DOE, hereinafter "Account Holder"

The undersigned Chief Financial Officer for CREDITOR NAME HERE hereinafter, Affiant, duly sworn by oath or asseveration with first hand knowledge, aver, depose and swear:  

1.	That I am an officer of CREDITOR NAME HERE, and have full authority and first hand knowledge for executing this affidavit on behalf of CREDITOR NAME HERE, and that I am giving adequate assurance of good faith and full disclosure on behalf of CREDITOR NAME HERE concerning the terms and execution of the agreement by the statements in this affidavit, as requested by John Henry Doe.

2.	That CREDITOR NAME HERE is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement.

3.	That CREDITOR NAME HERE is attaching all security interests and rights as lawfully required by the Securities Act of 1933 or the Securities Exchange Act of 1934 and has all the rights of the alleged claim and is attaching all of the certified or registered evidence that is lawfully required by the regulatory United States governmental agencies, along with any or all filing numbers for the evidence.  

4.	That the policy of CREDITOR NAME HERE is the repayment of customers whose Retail Installment Sale Contract is used for funding the debt incurred by the execution of the contract by John Henry Doe, in accord with the Agreement with CREDITOR NAME HERE;

5.	That all material facts regarding the alleged Agreement terms and execution are fully disclosed and contained in the written Agreement;

6.	That all CREDITOR NAME HERE’s bookkeeping entries associated with the execution of the alleged Agreement, to wit, materially match the terms and form of the Agreement.

7.	That the value given out of CREDITOR NAME HERE’s own assets or Net Worth for purchasing John Henry Doe’s Retail Installment Sale Contract is NOT any different or less than the face value of John Henry Doe’s Retail Installment Sale Contract.

8.	That CREDITOR NAME HERE did not accept money, money-equivalent, capital, funds, or anything else of value of John Henry Doe in the approximate amounts of the value of the Agreement that were used for funding checks or other negotiable instruments in the approximate amounts of the Agreement’s value that were given or extended to John Henry Doe as the Agreement’s loan or credit, making the economics of the Agreement similar to stealing, counterfeiting or swindling against John Henry Doe, causing John Henry Doe to be damaged.

9.	That John Henry Doe’s original Agreement has not been destroyed, altered or forged, and will be returned to John Henry Doe or if lost or archived, CREDITOR NAME HERE will provide security indemnifying John Henry Doe against loss or archival, upon discharge and termination of the Agreement.

10.	That there is no “adverse claim or wrongful transfer” of John Henry Doe’s Agreement that damages John Henry Doe.

11.	That John Henry Doe has the right of demanding full and immediate payment of any and all deposits of funds by John Henry Doe in connection with CREDITOR NAME HERE’s extending credit or loaning money or money-equivalent under the Agreement with John Henry Doe in conformity with Federal Reserve Policies and Procedures concerning the granting of Federally insured loans, to wit, “A deposit created through lending is a debt that has to be paid on demand of the depositor, just the same as a debt arising from a deposit of checks or currency in the bank.” (Federal Reserve publication “Two Faces of Debt”, page 19).

12.	That CREDITOR NAME HERE accepts all specie of money mandated by the Federal Reserve Bank.

13.	That John Henry Doe has the right of repaying any outstanding loan or money equivalent extended or loaned by CREDITOR NAME HERE in the same specie of money, or money equivalent, that funded such extension or loan, thus ending all claims and interest.

14.	That CREDITOR NAME HERE made loan # 123456789 using shares of capital stock in CREDITOR NAME HERE.

I, the Chief Financial Officer of CREDITOR NAME HERE, in a clear, conscious and competent mind, understand that I am signing my name under the penalty of perjury and under oath or asseveration administered by the Notary Public named below, and I am accepting full liability, both private and for CREDITOR NAME HERE, both civil and criminal, and that I accept all penalties of perjury if and when it is found that my statements in this Admissions document are false in any way.

	_______________________ 	 
CREDITOR NAME HERE’s Chief Financial Officer
					                                                                                                        _____________________________
Printed Full Name of Chief Financial Officer
										
_____________________________			         	       
Chief Financial Officer Employee ID Number

Jurat

On this day came before me the Affiant a living flesh and blood man to oath and attest and affirm the signature is true, complete, and correct on the foregoing affidavit.  John Henry Doe the undersigned, who is personally known by me or upon proper oath and identification, personally came before me, the subscriber, a notary public in and for said County and State, and Duly Affirmed the truth of the foregoing Affidavit in my presence.  The Affiant also acknowledged the signing thereof to be his own voluntary act and deed.  Signing the within instrument in my presence and for the purpose therein stated.

Signed this day________________, of____________________, ______________ at 
________________________________.

My commission expires on: ________________________

By_________________________ 				seal:___________________