DEBT COLLECTOR LETTERS

NON-NEGOTIABLE [FIRSTNAME] of the family [SURNAME] c/o [YOUR ADDRESS] [YOUR CITY, STATE ZIP] [COLLECTION CONTACT], Collections Department [THEIR ADDRESS] [YOUR DATE] Re: Reference Number: [ACCOUNT NUMBER] Dear Interloper, Thank you for your recent contact dated: [LAST LETTER DATE]. I feel this matter is serious and wish to deal with it in writing. I do not give you permission to contact me by telephone. I will be logging the dates and times of your calls and messages and should they continue, I must warn you that they will now constitute 'harassment' and I may take action under The Fair Debt Collection Practices Act. Please provide verification of your claim, by providing me with true and certified copies (not photocopies) of the Deed of Assignment (not Notice of Assignment) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note (Credit Agreement) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. Please provide this information and documents within ten (10) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms: that you are a third party interloper; you have no legal standing; no first-hand knowledge of this matter; your claim is fraudulent; any damages I suffer you will be held culpable; you agree to pay all fee schedules; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. Should you provide sufficient evidence that I owe your organization or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full. Yours sincerely, By: ___________________________________ _____________, 20__ [FIRSTNAME] [MIDDLE] [LAST] Authorized Representative for [FULLNAME UPPERCASE] without prejudice — non assumpsit No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. Calls may be recorded.

NON-NEGOTIABLE [FIRSTNAME] of the family [SURNAME] c/o [YOUR ADDRESS] [YOUR CITY, STATE ZIP] [COLLECTION CONTACT], Collections Department [THEIR ADDRESS] [YOUR DATE] Re: Reference Number: [ACCOUNT NUMBER] Dear Interloper, I previously wrote to you on ___________ 20__ requesting verification of your claim, by providing me with true and certified copies (not photocopies) of the Deed of Assignment (not the Notice of Assignment) and Deed of Novation. I also requested the name of the individual who is the duly authorized representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note (Credit Agreement) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account and also confirmation of the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. This verification is required to validate your claim, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide the requested documentation within ten (10) days from the above date will constitute your agreement to the following terms: That you are a third party interloper; That you have no legal standing; That you have no first-hand knowledge of this matter; That your claim is fraudulent; That any damages I suffer, you will be held culpable; That any negative remarks made to a credit reference agency will be removed; You will no longer pursue this matter any further; That you agree to pay all Fee Schedules. Should you provide sufficient evidence that I owe your organization or your client any outstanding amount and that you can provide proof that they have assigned you agency, I should be happy to pay any verified claim in full. Yours sincerely, By: ____________________________ [FIRSTNAME] of the family [SURNAME] Authorized Agent and Representative for [FULLNAME UPPERCASE] and Non Resident Alien therefore Non Taxpayer No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE — NON-ASSUMPSIT Calls may be recorded.

NON-NEGOTIABLE [FIRSTNAME] of the family [SURNAME] c/o [YOUR ADDRESS] [YOUR CITY, STATE ZIP] [COLLECTION CONTACT], Collections Department [THEIR ADDRESS] [YOUR DATE] Re: Reference Number: [ACCOUNT NUMBER] Dear Interloper, I previously wrote to you on ________ 20__ and on ____________ 20__ requesting verification of your claim, by providing me with true and certified copies (not photocopies) of the Deed of Assignment (not the Notice of Assignment) and Deed of Novation. I also requested the name of the individual who is the duly authorized representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note (Credit Agreement) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account and also confirmation of the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. This verification is required to validate your claim, so that I may settle any financial obligation I might lawfully owe. As you have failed to provide the documentation within the ten (10) days requested in my last correspondence, we are now in agreement to; and have a lawfully binding tacit agreement comprising, the following terms: That you are a third party interloper; That you have no legal standing; That you have no first-hand knowledge of this matter; That your claim is fraudulent; That any damages I suffer, you will be held culpable; That any negative remarks made to a credit reference agency will be removed; You will no longer pursue this matter any further. You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule: 3X the amount claimed for dishonoring our agreement, $1,000 per hour or part thereof of Authorized Representatives time nunc pro tunc, $1,000 per recorded delivery or any other form of response nunc pro tunc. Also any further contact is now not necessary; if however you deem a need to contact me by phone or letter the fee is $100 per item payable in advance — place the check in the envelope. If no payment is made in advance the fee will rise to $1,000 per item and you will also be held culpable for any cost incurred while recovering the debt you owe. Yours sincerely, By: ____________________________ [FIRSTNAME] of the family [SURNAME] Authorized Agent and Representative for [FULLNAME UPPERCASE] and Non Resident Alien therefore Non Taxpayer No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE — NON-ASSUMPSIT Calls may be recorded.