A huge "Thank You" to all who came to our Open House and Reception.  It was a fabulous evening with so many of our friends and colleagues in attendance.  Your enthusiastic support of Central California Legal Services, Inc. is vital to our work.

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Because my personal information was used without my knowledge to open the account, I am not liable for the debt. California Civil Code § 1788.18 requires a debt collector to stop collection when an alleged debtor furnishes a police report of identity theft and other information on her status as an identity theft victim. By this letter, I request that you cease any further collection activity on the account against me. Please send written confirmation that you will not pursue this debt to me at ADDRESS.

With the exception of the above-requested confirmation, I request that your company, and anyone acting on its behalf, cease all communication with me regarding the alleged debt pursuant to 15 U.S.C. § 1692c, and California Civil Code § 1788.17.

I certify that the representations in this letter are true, correct, and contain no material omissions of fact to the best of my knowledge and belief.

(Attach police report)

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692(c), and the Rosenthal Fair Debt Collection Practices Act, California Civil Code § 1788.17, you are hereby notified to cease and desist all further communication with me in regard to the above-referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also reserve the right to file suit against you for any future violations of this law. Please be advised that if you contact me, you may incur civil liability under U.S.C. Section 1692k and California Civil Code Section 1788.30, which provide for actual damages and civil penalties up to $1,000 for noncompliance. [If senior citizen: Please also be advised that I am a senior citizen, and failure to abide by these laws may result in further damages pursuant to California Civil Code § 3345.]

[If client is collection proof, add this paragraph] Furthermore, my only source of income is [e.g. Social Security, SSI, Unemployment Benefits, Retirement, Pension, Veterans Benefits] and is exempt from collection. I have no income or assets that are lawfully collectable for an enforceable judgment or debt. In the event that this debt is sold, include this letter in my file to ensure that the buyer has notice of exempt status.

I dispute the above debt and the amount of the debt and am writing to request that you verify the debt as required by the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, and the California Fair Debt Buying Practices Act, Civil Code § 1788.50 et seq.

Within fifteen (15) calendar days of receipt of this letter, please provide me with all of the information listed in California Civil Code §§ 1788.52(a)-(b) as required by Civil Code § 1788.52(c).

Please be advised that reporting information known to be inaccurate to the credit bureaus is a violation of the Fair Credit and Reporting Act, 15 U.S.C. §§ 1681 et seq. Further, any attempts to collect on a debt that is not owed, is in dispute, and which has not been verified, violates California Civil Code § 1788 et seq. and the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. [If senior citizen: Please also be advised that I am a senior citizen, and failure to abide by these laws may result in further damages pursuant to California Civil Code § 3345.]