John Doe
123 Main
Oak Park


Asset Acceptance Corporation
Sandi Oster
P.O. Box 2036
Warren MI 48090
Via Facsimilie @ 586-446-7838

March 18, 2002

RE: Acct #############/Discover

Dear Sir/Madame:

Thank you for your prompt response to my request for debt validation pursuant to the Fair Debt Collection Practices Act (FDCPA) dated March 5, 2002. However, I was distressed to find that the documentation I received from Asset Acceptance does not conform to the legally acceptable requirements for debt validation.

As indicated in my initial communication to your organization, I am not requesting ¡§verification¡¨ that you have my mailing address and Social Security Number. Rather, I am requesting ¡§validation¡¨ -- competent evidence that I have some contractual obligation to pay you. As such, I regret to inform you that the computer printout your organization submitted as ¡§validation¡¨ is unacceptable. In the event that your organization is unclear as to what constitutes proper debt validation, I have included a Federal Trade Commission (FTC) opinion letter for your reference that addresses this issue; you may wish to consult with a competent legal advisor before your next communication with me.

The purpose of this letter is to re-iterate my request for proper debt validation; be advised you have fifteen (15) calendar days to fulfill this request to avoid any further action, including possible litigation. For your convenience, I have enclosed a duplicate copy of the ¡§Creditor/Debt Collector Disclosure Statement¡¨ that was sent with my initial correspondence from March 5, 2002. This statement contains a list of documents requested for validation of the alleged debt referenced above.

You should also be aware that reporting unsubstantiated entries to credit reporting agencies is in direct violation of the FDCPA and Fair Credit Reporting Act (FCRA), and may constitute fraud under Federal and State Law. Pending the outcome of any evidence you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Under the FDCPA, once a consumer requests validation of an alleged debt, all collection activity must cease and desist. This includes listing any account with a credit reporting agency that is inaccurate and invalid.

Your failure to respond or satisfy this request within the requirements of the FDCPA 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. If you do not respond to this validation request within fifteen (15) calendar days from the date of this request, all references to this account must be completely removed from my credit file.

I would also like to request, in writing, that no telephone contact be made by your office to my home or to my place of employment. If your offices attempt telephone communication with me, it will be considered harassment and I will have no choice but to seek legal protection. All future communications with me MUST be done in writing and sent to the return address indicated on this letter.

Sincerely,

John Doe

CREDITOR/DEBT COLLECTOR DISCLOSURE STATEMENT

Name and Address of Creditor:

Name of Debtor:

Account #:

Address of Debtor:

Amount of debt purported to be owed:

Date alleged debt became payable:

Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased:

Commission for debt collector if collection efforts are successful:

Have any insurance claims been made by any creditor regarding this account? YES NO

Have any judgments been obtained by any creditor regarding this account? YES NO

Please provide the name and address of the bonding agent for Asset Acceptance Corporation in case legal action becomes necessary:
= = = = = = = = = = = = =
PLEASE ATTACH THE FOLLOWING INFORMATION ALONG WITH A COPY OF THIS DISCLOSURE STATEMENT:
ĨĨ A copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector

>> A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.

>> Copies of all statements detailing account activity while this account was open.

>> A copy of the agreement with your client that grants Asset Acceptance Corporation the authority to collect this alleged debt.

X
Authorized Signature For Creditor Date

Please return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter to the address indicated below. Your claim cannot be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by law, your claim will not be considered and you may be liable for damages for continued collection efforts. Please allow 30 days for processing after I am in receipt of this information. Your reply should be directed to the following address:
joe schmoe 123 Main Oak Park