My question is What is a good rate for a fixed Lending Tree mortgage? Hoping for any answer. My other question... I have taken a look at a some of the validation letters both at this site and others. It seemed to me that by combing the best elements of each, we might get a slightly better result. So here is what I came up with. I would appreciate any insghts into this..

Thanks,.

Ron.

Jerks R'Us Collections.

Peach tree St..

Norcross, GA 30092.

December 20, 2002.

RE: Account #123456789.

Dear Sir/Madame:.

This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form..

Be advised that I am not requesting a "verification" that you have my name and/or mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you. Please be aware that the courts and the FTC have determined that simply providing a printout is not validation..

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and reputation. In addition the courts and the FTC have held that reporting to a credit bureau is considered a collection effort and that all collection efforts are to cease completely until the debt is competently validated. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies..

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act 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..

Sincerely,.

Idont Owe You (Like the name).

Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt including documentation that you are licensed to collect a debt in the state of South Carolina. Also attach a certified copy of the agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts..

CREDITOR DISCLOSURE STATEMENT.

Name of Original Creditor: _______________________________________________.

Name and Address of Debtor: _______________________________________________.

_______________________________________________.

_______________________________________________.

Account Number(s): _______________________________________________.

Balance of Account: _______________________________________________.

Date you acquired this debt: _______________________________________________.

This Debt was: assigned purchased.

Please indicate any credit bureaus to which you have reported negative marks:.

Experian ______.

Equifax ______.

Trans Union ______.

Have any insurance claims been made by any creditor or assignee regarding this account?.

YES/NO.

Has the purported balanced of this account been used in any tax deduction claim?.

YES/NO.

Please list the particular products or services sold by the creditor to the debtor and the dollar amount of each:.

________________________________.

Authorized signature for Collector.

__/__/__.

Date..