Scumbag Collection Agency 1313 Mockingbird Lane Anytown WY 85447 Re: Any bill you are stupid enough

to try to collect from me NOTICE OF INTENT TO SUE You are hereby put on notice that: 1. I am in receipt of a collection letter from you in the above cited matter dated March 20, 2004. This letter is "initial communication" as defined in Fair debt Collection Practices Act Section 809(a) (herein called FDCPA). 2. This letter is in violation of FDCPA Section 809(a)(3), 809(a)(4) and 809(a)(5) in that the required portions of law have not been complied with, to wit: "(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, teh debt will be assumed to be valid by the debt collector; (4) a statement taht if the consumer notifies tthe debt collector in writing within the thirty-day period taht the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector; and (5) a statement taht, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor." 3. FDCPA Section 809 permits the required consumer warnings to be provided "within five days of the initial communication sent to the consumer..." This has not been done. 4. FDCPA Section 813(a)(2)(A) prescribes penalties for violation, to wit: "(a)Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of (1) any actual damag sustained by such person as a result of such failure; (2)(A) in the case of any action by an individual, such additional damages as the courtmay allow, but not exceeding $1000." 5. Since the illegal letter cited above is illegal on its face, a Class Action on behalf of a class of every consumer whom you have sent this illegal letter to in the past two years is a definite option. 6. There are several Court Cases which deal with the concept of "overshadowing" which is the act of a Collector burying the required notification of consumers' rights

under FDCPA so deep and so inconsequentially into communications that they are lost in the "pay this bill" message. I could make a strong case that teh absence of the required consumer protection notices is in and of itself "overshadowing". (see Ost v. Collection Bureau, Inc., 493 F Supp 701 (D ND); Graziano v Harrison, 950 F 2d 107 (3rd Circuit, 1991); Miller v. Payco General American Credits, Inc., 943 F 2d 482 (4th Circuit, 1991) et seq. 7. You are hereby on notice that I demand you forward to me, within 21 days of the date of this letter, One Thousand ($1,000.00) Dollars as Liquidated Statutory Damages for the violation of my rights under law. Failure to comply will bring legal action to enforce my rights and this claim at any time after the twenty-one (21) days, without further notice to you. Sincerely, Flyingifr