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Debt Validation And Dispute
Summary
Debt collectors are not considered creditors under 15 USC § 1692a(4). You can dispute and demand debt validation under the FDCPA. A Qualified Written Request (QWR) under RESPA and TILA can address errors and validate debts. Ensure debt collectors provide documentation proving their authority to collect and the debts validity. An authenticated affidavit from the original creditor may be required to support claims.Full Conversation
please enhance QWR; According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors; The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a: (*) Dispute and Demand to Validate Debt
pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § *(g)); (*)
Notice of Error and Qualified Written Request (“QWR”) pursuant to Real Estate
Settlement Procedures Act (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act
(“TILA”) (* U.S.C. § * et seq.); and (*) Demand to Present pursuant to * U.S.C. §
*(f).
Enhanced Qualified Written Request (QWR):
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[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate Settlement Procedures Act (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
Sincerely,
[Your Name]
---
Is there anything else you need help with?
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate Settlement Procedures Act (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
Sincerely,
[Your Name]
---
Is there anything else you need help with?
The following shall constitute a Qualified Written Request (“QWR”) as defined by
§ * of the Real Estate Settlement Procedures Act (“RESPA”) (* U.S.C. § a
*(e)), and also made pursuant to the Truth in Lending Act (“TILA”) (* U.S.C. §
* et seq.), and notice of error wherein we are disputing: (*) the date of default and
acceleration for the above referenced account numbers; (*) the enforceability of the note
and security instrument for the above referenced account arising from applicable statutes
of limitations; (*) the accuracy and validity of all payments applied towards principal and
interest throughout the history of the above referenced account numbers; and (*) the
accuracy, validity and legality of the most recent monthly statement sent to us regarding
the aforementioned account numbers.
It sounds like you are preparing a comprehensive Qualified Written Request (QWR). Here are the enhancements you requested:
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate SettlementProcedures Act (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
We are disputing:
*. The date of default and acceleration for the above-referenced account numbers.
*. The enforceability of the note and security instrument for the above-referenced account arising from applicable statutes of limitations.
*. The accuracy and validity of all payments applied towards principal and interest throughout the history of the above-referenced account numbers.
*. The accuracy, validity, and legality of the most recent monthly statement sent to us regarding the aforementioned account numbers.
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
Sincerely,
[Your Name]
---
Is there anything else you need help with?
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate SettlementProcedures Act (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
We are disputing:
*. The date of default and acceleration for the above-referenced account numbers.
*. The enforceability of the note and security instrument for the above-referenced account arising from applicable statutes of limitations.
*. The accuracy and validity of all payments applied towards principal and interest throughout the history of the above-referenced account numbers.
*. The accuracy, validity, and legality of the most recent monthly statement sent to us regarding the aforementioned account numbers.
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
Sincerely,
[Your Name]
---
Is there anything else you need help with?
Under the FDCPA, we have the right to request validation of the debt you say, directly
and/or through your agent(s), is owed towards the aforementioned account numbers and
docket numbers. We are requesting (again) proof that we are the party(s) you are asking
to pay the disputed debt associated with the BNYMT alleged Account Number
(*) and Massachusetts, WHC, docket number (24H79CV000485), (19H79SP000190) and District of Massachusetts Bankruptcy Court (*-*) and that
there is some contractual obligation that is binding.
Hi there! Here's an enhanced Qualified Written Request (QWR) for you:
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate Settlement Procedures Act (“RESPA”)(* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
We are disputing:
*. The date of default and acceleration for the above-referenced account numbers.
*. The enforceability of the note and security instrument for the above-referenced account arising from applicable statutes of limitations.
*. The accuracy and validity of all payments applied towards principal and interest throughout the history of the above-referenced account numbers.
*. The accuracy, validity, and legality of the most recent monthly statement sent to us regarding the aforementioned account numbers.
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
Sincerely,
[Your Name]
---
Is there anything else you need help with?
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate Settlement Procedures Act (“RESPA”)(* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
We are disputing:
*. The date of default and acceleration for the above-referenced account numbers.
*. The enforceability of the note and security instrument for the above-referenced account arising from applicable statutes of limitations.
*. The accuracy and validity of all payments applied towards principal and interest throughout the history of the above-referenced account numbers.
*. The accuracy, validity, and legality of the most recent monthly statement sent to us regarding the aforementioned account numbers.
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
Sincerely,
[Your Name]
---
Is there anything else you need help with?
Controlling Case Law
Debt collectors must plead or annex an authenticated affidavit with the supporting
document as required by UCC *-* from an officer of original Bank, Community Lending Inc.
(CLI) with the following requirements:
• Indicating it negotiated the instrument indorsing Mr. King’s promissory note pursuant to MA UCC :*-*.
• Indicating when it sold, transferred, and delivered Mr. King’s promissory note to BNYMT pursuant to MGL § *- * 12A (a) and (b).
• Being executed prior to Mr. King allegedly being in default on date */*/*.
• Prior to the original bank being out of business on */*/*.
• Prior to defendant being in default on date */*/* with FDIC.
To enhance your Qualified Written Request (QWR), include the specifics related to your case under Connecticut law:
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate Settlement ProceduresAct (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
We are disputing:
*. The date of default and acceleration for the above-referenced account numbers.
*. The enforceability of the note and security instrument for the above-referenced account arising from applicable statutes of limitations.
*. The accuracy and validity of all payments applied towards principal and interest throughout the history of the above-referenced account numbers.
*. The accuracy, validity, and legality of the most recent monthly statement sent to us regarding the aforementioned account numbers.
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
- Authenticated affidavit from an officer of the original Bank, Community Lending Inc. (CLI), with the following details:
* Indicating it negotiated the instrument indorsing Mr. King’s promissory note pursuant to MA
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request
Dear [Debt Collector's Name],
According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors. The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Please accept this communication as a:
*. Dispute and Demand to Validate Debt pursuant to the Fair Debt Collection Practices Act (“FDCPA”) (* U.S.C. § 1692g);
*. Notice of Error and Qualified Written Request (“QWR”) pursuant to the Real Estate Settlement ProceduresAct (“RESPA”) (* U.S.C. § *(e)) and the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.);
*. Demand to Present pursuant to * U.S.C. § *(f).
We are disputing:
*. The date of default and acceleration for the above-referenced account numbers.
*. The enforceability of the note and security instrument for the above-referenced account arising from applicable statutes of limitations.
*. The accuracy and validity of all payments applied towards principal and interest throughout the history of the above-referenced account numbers.
*. The accuracy, validity, and legality of the most recent monthly statement sent to us regarding the aforementioned account numbers.
Please provide the following information:
- Validation of the debt, detailing the original creditor, amount of the debt, and documentation showing your authority to collect.
- Evidence that the debt is valid and not subject to errors or fraud.
- Copies of all communications and documents related to the debt.
- Authenticated affidavit from an officer of the original Bank, Community Lending Inc. (CLI), with the following details:
* Indicating it negotiated the instrument indorsing Mr. King’s promissory note pursuant to MA
AI, Please polish; on December *, *, I submitted an ADA requests for assistance as a non-party to my promissory note, with falsified evidence is claiming my home. Today I found out, as I was intending to supplement my request, that I only sent the medical records and not the application. Equally disturbing is the fact that I filed a document and placed the wrong docket number on the motion. Please excuse this oversight as I am sending in the application that should have been sent with the medical records. My health is deteriorating and I greatly need ADA assistance.
Here's the enhanced text:
---
On December *, *, I submitted an ADA request for assistance as a non-party to my promissory note, which has been falsely claimed by someone with falsified evidence. Today, I discovered that I only sent the medical records and not the application. Additionally, I mistakenly placed the wrong docket number on the motion. Please excuse this oversight as I am now sending the application that should have accompanied the medical records. My health is deteriorating, and I greatly need ADA assistance.
---
Is there anything else you'd like to add or need help with?
---
On December *, *, I submitted an ADA request for assistance as a non-party to my promissory note, which has been falsely claimed by someone with falsified evidence. Today, I discovered that I only sent the medical records and not the application. Additionally, I mistakenly placed the wrong docket number on the motion. Please excuse this oversight as I am now sending the application that should have accompanied the medical records. My health is deteriorating, and I greatly need ADA assistance.
---
Is there anything else you'd like to add or need help with?
How should I Introduce this explanation?
You can introduce the explanation like this:
---
Hi AI,
To give you a clearer picture, here's a summary of the questions asked and your responses:
*. Initial Interaction:
- Q: I am FreeLawChat and I provide legal assistance to help you with your legal issue. May I have your name please?
- A: ****
*. Request for Enhancement:
- Q: Hi there! How can I assist you with your legal issue today?
- A: Please enhance QWR; According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors; The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. ...
*. Enhanced Qualified Written Request (QWR):
- Q: Enhanced Qualified Written Request (QWR):
- A: [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request...
*. Further Clarification and Details:
- Q: The following shall constitute a Qualified Written Request (“QWR”) as defined by § * of the Real Estate Settlement Procedures Act (“RESPA”) (* U.S.C. § a *(e)), and also made pursuant to the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.), and notice of error wherein we are disputing: ...
- A: Under the FDCPA, we have the right to request validation of the debt you say, directly and/or through your agent(s), is owed towards the aforementioned account numbers and docket numbers. We are requesting (again) proof that we are the party(s) you are asking to pay the disputed debt associated with the BNYMT alleged Account Number (*) and Massachusetts, WHC, docket number (24H79CV000485), (19H79SP000190) and District of Massachusetts Bankruptcy Court
---
Hi AI,
To give you a clearer picture, here's a summary of the questions asked and your responses:
*. Initial Interaction:
- Q: I am FreeLawChat and I provide legal assistance to help you with your legal issue. May I have your name please?
- A: ****
*. Request for Enhancement:
- Q: Hi there! How can I assist you with your legal issue today?
- A: Please enhance QWR; According to Cornell Law, * USC § 1692a(*), Debt Collectors are not Creditors; The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. ...
*. Enhanced Qualified Written Request (QWR):
- Q: Enhanced Qualified Written Request (QWR):
- A: [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Dispute and Demand to Validate Debt, Notice of Error, and Qualified Written Request...
*. Further Clarification and Details:
- Q: The following shall constitute a Qualified Written Request (“QWR”) as defined by § * of the Real Estate Settlement Procedures Act (“RESPA”) (* U.S.C. § a *(e)), and also made pursuant to the Truth in Lending Act (“TILA”) (* U.S.C. § * et seq.), and notice of error wherein we are disputing: ...
- A: Under the FDCPA, we have the right to request validation of the debt you say, directly and/or through your agent(s), is owed towards the aforementioned account numbers and docket numbers. We are requesting (again) proof that we are the party(s) you are asking to pay the disputed debt associated with the BNYMT alleged Account Number (*) and Massachusetts, WHC, docket number (24H79CV000485), (19H79SP000190) and District of Massachusetts Bankruptcy Court
How should I Introduce this explanation for? On December *, *, I submitted an ADA request for assistance as a non-party to my promissory note, which has been falsely claimed by someone with falsified evidence. Today, I discovered that I only sent the medical records and not the application. Additionally, I mistakenly placed the wrong docket number on the motion. Please excuse this oversight as I am now sending the application that should have accompanied the medical records. My health is deteriorating, and I greatly need ADA assistance.
How about this introduction:
---
Dear [Recipient's Name],
I am writing to address an oversight in my previous ADA request submitted on December *, *. As a non-party to my promissory note, which is being falsely claimed with falsified evidence, I initially sent only my medical records and not the application. Additionally, I placed the wrong docket number on the motion.
Please excuse this mistake as I am now including the application that should have accompanied the medical records. My health is deteriorating, and I greatly need ADA assistance.
---
Is there anything else you need help with?
---
Dear [Recipient's Name],
I am writing to address an oversight in my previous ADA request submitted on December *, *. As a non-party to my promissory note, which is being falsely claimed with falsified evidence, I initially sent only my medical records and not the application. Additionally, I placed the wrong docket number on the motion.
Please excuse this mistake as I am now including the application that should have accompanied the medical records. My health is deteriorating, and I greatly need ADA assistance.
---
Is there anything else you need help with?
Appropriate response please.
Defendant claimed, pursuant to * USC § * and FRBP Rule *, failure to file timely notice of appeal (14 days).
*/* *, hearing was held on motion which included 60B4, 60B6, fraud on the court, and lack of jurisdiction which were not addressed.
Order; Granted a dismissal in part.
*/* *; docket Adversary Case Closed.
Order; */*, I filed an omnibus motion, failing to file proof of claim, fraud upon the court, and lack of jurisdiction, 60B4 and 60B6.
Order; */*, Denial of the motion was mailed.
On */*, I filed A motion to reopen, to reconsider, failing to submit proof of claim, 60B4 and 60B6.
Order; */*, Denied. Appeal filed */*.
You may need to consider the following points:
- Ensure you comply with FRBP Rule *, which requires filing a notice of appeal within 14 days.
- Rule *(b)(*) and *(b)(*) motions are grounds for relief from a final judgment based on void judgment or any other reason justifying relief.
- Fraud on the court and lack of jurisdiction are serious claims and should be substantiated.
It is advisable to consult with a legal professional to explore the possibility of an appeal or other legal remedies. Would you like more information on how to proceed with an appeal?
- Ensure you comply with FRBP Rule *, which requires filing a notice of appeal within 14 days.
- Rule *(b)(*) and *(b)(*) motions are grounds for relief from a final judgment based on void judgment or any other reason justifying relief.
- Fraud on the court and lack of jurisdiction are serious claims and should be substantiated.
It is advisable to consult with a legal professional to explore the possibility of an appeal or other legal remedies. Would you like more information on how to proceed with an appeal?
Their Argument included the following “Additionally, the federal rules of bankruptcy procedure rule * requires that a notice of appeal must be filed within 14 days after the judgment, order, or decree to be appealed is entered”
In their Background they say see * and * but they omit *, the order denial on */*. They also omit the denial order that was mailed */*.
The record shows altered documents, Debt collectors purporting to be creditors attempting foreclosure on a time barred loan without endorsement of the promissory note or an authenticated assignment mortgage contract.
Based on the information presented can you make an appropriate response.
To address the argument, consider highlighting these points:
- Rule * Compliance: Emphasize that the notice of appeal was filed within 14 days of the denial on */*.
- Omitted Orders: Point out the crucial omission of the */* and */* denial orders.
- Altered Documents: Stress the presence of altered records and invalid creditor claims without proper documentation.
Would you like assistance drafting a detailed response for your case?
- Rule * Compliance: Emphasize that the notice of appeal was filed within 14 days of the denial on */*.
- Omitted Orders: Point out the crucial omission of the */* and */* denial orders.
- Altered Documents: Stress the presence of altered records and invalid creditor claims without proper documentation.
Would you like assistance drafting a detailed response for your case?
yes
Sure, here's a detailed response you can consider:
---
Dear [Recipient's Name],
I am writing to address the argument presented regarding the compliance with Federal Rules of Bankruptcy Procedure Rule * and to highlight important omissions and issues in the record.
*. Rule * Compliance:
- The notice of appeal was filed within 14 days of the denial order dated */*, which adheres to the rule.
*. Omitted Orders:
- The argument references orders from * and * but fails to include the denial order on */* and the order mailed on */*, both crucial to the case.
*. Altered Documents and Invalid Claims:
- There are altered documents in the record.
- Debt collectors, purporting to be creditors, are attempting foreclosure on a time-barred loan without endorsement of the promissory note or authenticated assignment of the mortgage contract.
These points demonstrate significant procedural and substantive errors that require reconsideration.
Sincerely,
[Your Name]
---
Would you like to add or modify anything in this draft?
---
Dear [Recipient's Name],
I am writing to address the argument presented regarding the compliance with Federal Rules of Bankruptcy Procedure Rule * and to highlight important omissions and issues in the record.
*. Rule * Compliance:
- The notice of appeal was filed within 14 days of the denial order dated */*, which adheres to the rule.
*. Omitted Orders:
- The argument references orders from * and * but fails to include the denial order on */* and the order mailed on */*, both crucial to the case.
*. Altered Documents and Invalid Claims:
- There are altered documents in the record.
- Debt collectors, purporting to be creditors, are attempting foreclosure on a time-barred loan without endorsement of the promissory note or authenticated assignment of the mortgage contract.
These points demonstrate significant procedural and substantive errors that require reconsideration.
Sincerely,
[Your Name]
---
Would you like to add or modify anything in this draft?
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