JOHN PAUL JONES

1234 5th Street

City [12345] State

(Sent via CERTIFIED RETURN MAIL # XXXX XXXX XXXX XXXX XXXX)

Date: January 1, 2005

USER NAME HERE
123 MAIN ST
City, State Zip

Re: File # 0000000 - ABC Bank - # 123456789 -For: $10,000.00

Dear Debt Collector /Debt Collector Attorney:

Please send to the requestor any mutually signed and agreed novation for your
company to claim any entitlement to this alleged account.

This will serve as your legal notice under provisions of federal law, the Fair Debt
Collection Practices Act (FDCPA), to cease all communication with me in
regard to the debt referenced above.

If you fail to heed this notice, I will file a formal complaint against you with the
Federal Trade Commission who is responsible for enforcement, the States
Attorney General office and/or the American Collectors Association or local State
Bar Association.

I have agreed not to work with any collection agency under any circumstances.
Unless you contact the original creditor to obtain a mutually signed contract or
agreement you shall be hereinafter barred from legal authorization to this alleged
claim.

You are also notified that should any adverse information be placed on any credit
reports as a result of this notice that appropriate actions will be taken. Give this
very important matter the attention it deserves.

Sincerely,

John Paul Jones

NOTE: This is an attempt to make a debt collector comply with the law. Any
information obtained, will be used for that purpose.