Certified Mail # 7008 1300 0001 1252 xxxx

TO: Dewey, Cheatem, & Howe 123 Presumption Lane Debtorsville, USA Notice applies to Principal and agent

Greetings, Friday, August 20, 2010

According to the documents and letters accumulated over the last year, your client

Discover Bank, has not verified that a debt is owed by this party – it is all being

assumed to exist. They have been asked on more than one occasion to provide an

accounting of their books and balance sheets to show that they are the creditor on

this account, and they have not stipulated to that point and do not seem interested

even today to show any proof of the claim that a debt is owed by JANE DOE.

It appears that you have purchased this ‘debt’ and you are trying to see if you can negotiate with this party to make a settlement. Is that not correct? There has never been any hesitancy to pay on a legitimate and validated debt by this party. Even now we are willing to pay this debt as soon as we can get the true creditor to stipulate pursuant to the requirements of being a real party in interest and to verify the accounting pursuant to GAAP and FASB that a true debit exists for each credit placed on the account. If you have original documents that can be authenticated by a third party witness as to a valid contract and creditor accounting regarding this account – please forward them to me for my inspection that I may get this account settled. Please be advised that a copy or print out of a statement of account does not constitute a sufficient validation of the debt pursuant to a forensic accounting to show the source of the funding for the account. If I don’t hear from you in writing 10 days from the receipt of this letter, with a substantive proof of claim, then it will be concluded that you are not able to validate this debt and that your client’s claim is without proof.

Certified Mail # 7008 1300 0001 1252 xxxx

You need 2 things that will need to submit in affidavit format – which means that are claiming them under the penalties of law and perjury.

1) Documents proving that you are a real party in interest 2) Forensic accounting to identify the source of credit that was placed on the

account to the loss or risk of capital that you are now claiming is owed. If you respond again with the purpose of trying to collect a purported debt without

demonstrating that you are a real party in interest and not able to show a verified

claim showing the forensic accounting and a verified statement of loss, then each

call or letter will be charged an administrative fee of $500.00 and any negative

reports to any of the credit reporting agencies will be charged an administrative fee

of $50.00 per day. Also if this account is transferred, sold or assigned from you to

another party for collection, there will be a $2000.00 transfer fee.

Also - pleased be advised that I am well aware that an attorney cannot act as a debt collector and act in the capacity of an attorney at the same time. Please refer to Title 15 USC Chapter 41 Part V § 1692i(b) and the associated case law and govern yourself accordingly. Sincerely,

BY:__________________________________________ JOE Sixpack Attorney in Fact for JANE DOE