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Lumzy v. Mortgage Elec. Registration Sys., Inc., 2008 WL 3992671 (S.D. Miss. Aug. 21, 2008).

Oya v. Wells Fargo Bank, 2019 WL 4573704 (S.D. Cal. Sept. 19, 2019).

Yeboah v. Wilmington Tr., 2019 WL 4187378 (C.D. Cal. May 28, 2019).

Oya v. Wells Fargo Bank, N.A., 2019 WL 3239021 (S.D. Cal. July 17, 2019).

Shetty v. America’s Wholesale Lender, 2019 WL 1330317 (N.D. Cal. Mar. 25, 2019).

Greene v. Wells Fargo Bank, 2018 WL 6832092 (N.D. Cal. Dec. 28, 2018).

McNamara v. Wells Fargo Bank, 2018 WL 6137599 (C.D. Cal. May 22, 2018).

Aguilar v. Greenspoon Marder, P.A., 2018 WL 1245219 (S.D. Cal. Mar. 9, 2018).

Lucore v. Zeff, 2018 WL 1101099 (S.D. Cal. Feb. 26, 2018).

Manos v. MTC Fin., Inc., 2017 WL 8240692 (C.D. Cal. Sept. 28, 2017), appeal filed, (9th Cir. May 2, 2018).

Manos v. MTC Fin., Inc., 2017 WL 8236356 (C.D. Cal. Dec. 21, 2017).

Hernandez v. Bayview Loan Servicing, L.L.C., 2017 WL 8232803 (C.D. Cal. May 30, 2017).

Sample Exempt Income Letter

If your only sources of income are state or federal government benefits, your income may be “exempt” or protected from collection.  If you inform the collector that government benefits are your only source of income, the collector may voluntarily stop contacting you about the alleged debt. You can inform collectors over the phone if all of your income is exempt, and you can also send a letter like this one.

Sample Dispute Letter

If a consumer does not think the debt is theirs, thinks that the amount is incorrect, or believes that there is some other type of error, the consumer can send the collector a dispute letter. Collectors make a lot of mistakes, and disputing the debt may help resolve the matter. Federal law requires debt collectors to provide “validation information” about the alleged debt and the consumer’s rights to dispute it.

Sample Verification Letter

It is often not clear what debt a collector is contacting the consumer about. In that case, consumers should never pay the collector, at least not until they obtain more information. Federal law requires debt collectors to provide “validation information” about the alleged debt. It is best to send a request for verification within 30 days of receipt of the validation information.

Hedayati v. The Judge Law Firm, 2018 WL 6307872 (C.D. Cal. Jan. 16, 2018).

Agnir v. Gryphon Solutions, L.L.C., 2013 WL 4082974 (N.D. Cal. Aug. 9, 2013).

Franklin v. Parking Revenue Recovery Servs., Inc., 2014 WL 6685472 (N.D. Ill. Nov. 25, 2014).

Thone Phan v. Gartner Law Offices, Inc., 2012 WL 3993031 (N.D. Ill. Sept. 10, 2012).

Llames v. JP Morgan Chase & Co., 2012 WL 1032910 (N.D. Ill. Mar. 23, 2012).

Smith v. Continental Cmty. Bank & Trust Co., 2002 U.S. Dist. LEXIS 11193 (N.D. Ill. June 21, 2002).

Clark v. Retrieval Masters Creditors Bureau, Inc., 185 F.R.D. 247 (N.D. Ill. 1999).

Perovich v. Humphrey, 1997 WL 674975 (N.D. Ill. Oct. 28, 1997).

Schweitzer v. Northland Group, Inc., 2014 WL 5782991 (S.D. Fla. Nov. 6, 2014).

Collins v. Portfolio Recovery Assocs., 2013 WL 9805805 (E.D. Tenn. June 7, 2013).