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9-01-12 K arss D. Muhammad 19401 Tomball Pkwy , Houston TX 77070 NCM P.0. Box 32900, Saint Louis MO 63132 RE: [Account No.: 12767**]: 2,467 dear National Credit Management, This garner is in response to your letter concerning the collection of the above referenced account. I do non believe I owe what you say I owe therefore I feud this debt. I am profound aware of my rights under the second-rate Debt Collection Practices Act (FDCPA) and my attest lawfulnesss so I hope to save both of us a great deal of time by digest you know that not only do I altercate the validity of this debt, the above mentioned has previously be removed from my depression reports macrocosm that the statue of limitations have expired. I am pretty convinced(predicate) that you are fully aware of this; my submit lawyer global has confirm that the Statute of Limitations for enforcing this type of debt through the courts in Houston, TX has expired. Therefore, should you se e to dog this takings in court I particularise to avow the court of my dispute of this debt and that the statute of limitations has expired.

This letter is your established bill that I lot this matter closed and require that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being over(p) or that you or the creditor are taking ad hoc legal actions allowed by the FDCPA or my state laws. Be aware that I consider any contact not in harmony with the Fair Debt Collection Practices Act a serious impingement of the law and will immediately ! report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take any(prenominal) legal action is necessary to protect myself. Be advised that I register record all phone calls and violations of the FDCPA mountain result in you or your company being personally fined up to $1,000 per incident. Sincerely, Karess D. MuhammadIf you destiny to get a full essay, set out it on our website: OrderCustomPaper.com

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