Debt

Validation #1
Locate the most recent mortgage loan statement or threatening demand letter you received
from your mortgage lender or loan servicer and edit & mail the Debt Validation Letter below.

1. ALWAYS MAIL CERTIFIED RETURN SIGNATURE REQUESTED

ü Write the post office tracking number on the letter before you mail it.
ü Ask the post office employee to make a copy of the letter with the tracking # on it for your
records.
ü Save your copy of the letter and the Signature Confirmation Receipt
ü You should get a response letter back in about 2 weeks.
ü As soon as your lender/servicer responds to your Debt Validation Letter call us, so we can help
you move forward with the next step in your administrative process.

The same day you mail the Debt Validation Letter, stop by your local county recorder of
deeds office (or county courthouse) and get a copy of every document that has been
recorded against your properties title, from the time you purchased the property until
present. We need these county recorder of deeds documents to conduct a mortgage fraud
/ chain of title analysis.

You may be able to get copies of your county recorder of deeds documents online, for free, using the
information at: https://www.fraudstoppers.org/get-docs/

In the attached Debt Validation Letter (DVL) it uses the word “Presentment”. A "Presentment" means
a demand made by or on behalf of a person entitled to enforce an instrument (i) to pay the instrument
made to the drawee or a party. It is basically a demand for payment. The date of the Presentment is the
date on the last letter you received from your lender or loan servicer demanding payment, or
threatening legal action if payment is not received!

IMPORTANT: The debt validation letter below can be more effective if it is sent from an attorney
rather than coming from an unrepresented (Pro Se) homeowner. Therefore, if you do not have an
attorney or law firm on paid retainer, who can put the Debt Validation Letter on their legal letterhead
and mail it for you, consider getting a Legalshield Membership for around $25 a month because your
appointed Legalshield law firm can:
ü Write letters on your behalf
ü Make phone calls on your behalf
ü Review contracts and documents for you
ü Represent you in court
ü And Much More!

To learn more about the benefits of a Legalshield Membership, or to enroll now, go to:
https://fraudstoppers.wearelegalshield.com/
 YOUR NAME HERE
YOUR STREET ADDRESS HERE
YOUR CITY & STATE HERE


Lender or Loan Servicer’s Name Here
Address
City, State, Zip


Certified Mail #: ____________________________________________________ Date: ___________________

REF: DEBT VALIDATION DEMAND

RE: ACCOUNT / LOAN #: 123456

Greetings:
I am in receipt of a presentment from you, or your company, dated ENTER DATE HERE. By said
communication you or your company has made a claim of agency to act on the behalf of a principal with
standing and capacity to collect a debt to which you allege I am obligated. Please, do not construe this as a
refusal to pay, but rather, as a notice of dispute of the alleged debt until you provide your bona fides.

I am aware of no obligation that I have to you or anyone else concerning the debt collection letter you sent
to me. Until such time as you have established proof positive by best evidence that you hold agency, to act
on behalf of a person with legal and equitable standing, and/or the legal capacity to collect on a debt owed
by me, your authority to collect any alleged debt and the debt itself is hereby to be construed as in dispute.

In the future, please abate all attempts to contact me by phone. Make all communications by written letter,
fax, or email. Do not call me on my cell phone, my home phone, and most importantly do not call my work
or any of my friends or neighbors.

EVIDENCE OF CONTRACT

I hereby demand that you produce for my inspection, an original contract that establishes the existence of
a debt to which I am obligated to you or your principal. Please notify me of a time and place convenient to
both you and myself for the above referenced inspection.

In as much as you have made a pro-active claim of agency to collect on an alleged debt and I have, by this
document, disputed said debt, it shall not be construed that I have voluntarily waived any rights or
protections available to me in the instant matter. I will consider a failure on your part to timely and
adequately respond to this inquiry as admission that no such obligation exists and that your action was
fraudulent and without authority.

This demand shall be further construed to include demand for a complete listing of all negotiations of any
beneficial interest in the above alleged obligation. Please include complete contact information for all
persons or entities who now hold or who have ever held a beneficial interest in said obligation to include
any and all allonges or other endorsements to said document.
1. If the above referenced claim of a debt obligation involves a claim of a debt concerning real
property owned by myself, please make available for public inspection the original Deed of Trust
or Mortgage document which you assert gives you or your principal a claim against the real
property belonging to requestor. Please include any and all assignments, transfers, or negotiations
of said lien document along with an affidavit attesting that the original or originals presented for
inspection represent all the originals created and that the assignments, transfers, and/or
negotiations of said document represent all such transactions that have taken place concerning

DVL1
 said document. Further, please provide best evidence of each transfer of legal or equitable holder
status of this document to include a verified affidavit attesting that no party, not provided, now
holds or has ever held a legal or equitable claim against the property.
2. In the event that security instrument has been created using the note as collateral for said security,
please provide the name and contact information for any “document custodian” into whose care
and custody the note representing the alleged debt obligation has been entrusted.
VERIFICATION

Please validate this debt with an affirmed and verified certification of the following:
3. that all persons or entities who now hold or who have ever held a beneficial interest in the
property purported to secure the above referenced debt have been identified to include current
contact information for each;
4. that all amounts claimed for collection are proper and valid;
5. that all laws concerning the collection of said debt have been complied with.
DEBTOR DISPUTES ALL DEBT

Please provide the above in a timely manner; requester considers the need for the above to be urgent. In
the event any deletions or redactions to any records occur, please provide the scope and substantive
content of the records omitted from this request and the specific authority for the withholding of the
requested information.

Until such time as the information requested herein is provided, requester disputes the validity of lender’s
lawful ownership, funding, entitlement, or right the current debt collector alleges. By debt, requester is
referring to the principal balance which debt collector claims requester owes, the calculated monthly
payment, calculated escrow payment and any fees claimed to be owed by lender or any trust or entity for
which lender may service or subservice.
PLEASE BE ADVISED

In as much as this letter is in response to a pro-active claim on your part, any failure to satisfy this request
within 30 days will be construed as your absolute waiver of any and all claims against me, and your tacit
agreement to compensate me for costs and attorney fees.

Respectfully,

______________________________________
[Print Your Name Here]

DVL1
You can mail the following
credit dispute letters to the
credit reporting agencies
by regular mail.

DVL1
 YOUR NAME HERE
YOUR STREET ADDRESS HERE
YOUR CITY & STATE HERE


Date: ___________
Equifax
P. O. Box 740241
Atlanta, GA 30374-0241


Greetings:

This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed you have included the below information in my credit profile, due to its damaging
effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied
credit recently.
The following information needs to be verified and deleted from the report as soon as possible:

LENDERS NAME HERE Account No: 123456

Please delete the above information as quickly as possible.

Respectfully,


______________________________________
[Print Your Name Here]

DVL1
 YOUR NAME HERE
YOUR STREET ADDRESS HERE
YOUR CITY & STATE HERE


Date: ____________
TransUnion
P. O. Box 1000
Chester, PA 19022


Greetings:
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed you have included the below information in my credit profile, due to its damaging
effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied
credit recently.

The following information needs to be verified and deleted from the report as soon as possible:

LENDERS NAME HERE Account No: 123456

Please delete the above information as quickly as possible.

Sincerely,


______________________________________
[Print Your Name Here]

DVL1
 YOUR NAME HERE
YOUR STREET ADDRESS HERE
YOUR CITY & STATE HERE

Date: ____________
Experian
2220 Ritchey
Santa Ana, CA 92705


Greetings:

This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed you have included the below information in my credit profile, due to its damaging
effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied
credit recently.

The following information needs to be verified and deleted from the report as soon as possible:

LENDERS NAME HERE Account No: 123456

Please delete the above information as quickly as possible.

Sincerely,


______________________________________
[Print Your Name Here]

DVL1