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Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
Here is just one example where this letter would be appropriate.
Even though you've tried several times to explain why you do not believe a particular debt is yours, the collector continues to ignore your explanation and demand payment!
For example, if your car note is $387 a month, or your credit card minimum is a certain percentage of what you owe, or the hospital bill is $1,200, that is the "legal" amount you owe.
You cannot force the creditor to take anything less than that amount.
If you find yourself in this position, knowing the law regarding debt collection can help you negotiate the best settlement with your creditors.