November 13, 2003

2ND CREDITOR NAME HERE
123 WASHINGTON AVE
JONESVILLE TX 98765
USER NAME HERE

Re:  	CREDITOR NAME HERE
123456789

Dear USER NAME HERE:
	
I am in receipt of your correspondence dated December 25, 2002.  I do not understand why I have received this letter from your office, as this account has been settled.  Nonetheless, I am hereby informing you that I am disputing the entire amount of this alleged debt in accordance with the Fair Credit Billing Act and the Fair Debt Collection Practices Act.  A letter was sent to CREDITOR NAME HERE on [date of initial dispute letter] asking for specific accounting information to the documentary evidence that is required to validate this alleged debt.  This request for the needed documentation has been repeatedly made in accordance with the Fair Credit Billing Act.

I hereby request for documentary evidence of the alleged claim against me as follows: 

All documentation in your possession and/or control and/or the possession and/or control of claimant which shows:

  The chains of legal and equitable title to this alleged claim against me, including, but not limited to, transactions in which any title to this alleged claim was assigned to another, then subsequently returned to you and/or claimant;

  Any rights therein that may have been assigned including, but not limited to, transactions in which any rights to this alleged claim were assigned to another, then subsequently returned to you and/or claimant;

  Any authorizations giving any party standing to collect on this alleged claim;

  Any promissory notes and/or other debt instruments upon which you and/or claimant base any alleged claim that I owe you and/or claimant money, front and back, and any amendments, attachments, allonge, and/or endorsements thereto;

  Any deposit slips associated with any such notes and/or instruments;

  Any orders authorizing withdrawal and/or payment from any account into which any such notes and/or instruments were deposited;

  Any insurance policies on any such notes and/or instruments;

  Any actions done by you and/or claimant to fulfill your agreement to legally own any such notes and or instruments;

  Any unencumbered, substantive, lawful, and (not and/or) valuable consideration provided by you and/or claimant to fulfill your agreement to legally own any such notes and or instruments;

 Any other consideration provided by you and/or claimant to fulfill your agreement to legally own any such notes and or instruments;

  Any and all parties who actually funded any loans and/or provided any money upon which you and/or claimant base any alleged claim that I owe you and/or claimant money;

  Any source of any cash or cash equivalent you and/or claimant claim was paid to me and/or on my behalf, including, but not limited to, all accounts from which the funds originated and/or passed through;

  Any payments you and/or claimant claim were made to me and/or on my behalf, including, but not limited to, all accounts from which the cash and/or cash equivalent originated and/or passed through;

  Any liabilities you and/or claimant used for any payments you and/or claimant claim were made to me and/or on my behalf, including, but not limited to, any such liabilities that were recorded as if you and/or claimant loaned assets;

  Any money or money equivalent you and/or claimant received from me, directly and/or indirectly;

  Any Call Reports for the period during which the alleged claim existed;

  All bookkeeping and/or journal entries, contracts, memoranda, and records related to the foregoing, including, but not limited to, the original entries in the books of account that are maintained in accordance with Generally Accepted Accounting Principles; and

  CPA audit reports of you and/or claimant for the period during which the claim existed.

For any document of which you and/or claimant send copies, please verify via certification that they are true and valid copies of the originals.
 
The above records will enable me and my financial advisors to effectively understand the nature of the transactions that occurred upon the original holder's acceptance of my signature on any debt security under which you and/or claimant are basing any alleged claim. My basis for requesting this documentation arises due to the belief that employees of holders and servicers of this alleged claim may have committed malfeasance with respect to this alleged claim. 

Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will validate and verify nothing without the other requested documents. The essence of the recordation of any and all debt securities upon which you and/or claimants base this alleged claim goes to the heart of this transaction. Therefore, the original journal bookkeeping entries requested are of utmost importance. Failure to provide them will be deemed substantial noncompliance with this request, even if you and/or claimants provide everything else, and even if you also provide any billing statements and/or any cardholder agreements which have not been requested.
 
Until you and/or claimants provide the requested documentary evidence, this entire alleged claim is in dispute. Any transmittal of negative or adverse information to any third party during this dispute is a violation of 15 USC 1601, et seq. Furthermore, any collection activity on this alleged claim while it is in dispute is also a violation of related consumer protection acts, and may also be in violation of state laws.

If you/and or claimants wish to communicate with me on this, please put such communication in writing. If you and/or claimants feel a phone dialogue is necessary, please put such a request in writing and I will call you and/or claimants. You and claimants are hereby advised that phone calls may be recorded. If you and/or claimants do not consent to such calls being recorded, do not engage in them. The use of the telephone by you and/or claimants with me shall constitute your acceptance of my right to record the calls.

__________________
John Henry Doe
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:___________________

PROOF OF SERVICE

One, John Henry Doe, a living breathing man, does hereby swear and affirm on One’s own unlimited commercial liability, that true, correct and complete copies of the Notice of Superior Entitlement Right have been served this date November 13, 2003 addressed as follows:

via Certified Mail # XXXX XXXX XXXX XXXX XXXX to:

CREDITOR NAME HERE, 
123 RIPOFF LANE
ANOTHER TOWN, TX 54321

	

By:___________________________

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_________________________