Billie-Russell: Schofield 80 Wampanog Lane Tiverton, Rhode Island and rovidence lantations !0"8#8$ %ecem&er '", "0'' !

(our address$ !date$ !recipient)s name and address$ !recipient)s name$, Than* (ou for (our recent in+uir(, This is not a refusal to pa(, &ut a notice that (our claim is disputed, This is a re+uest for validation made pursuant to the -air %e&t .ollection ractices /ct, lease complete and return the attached disclosure re+uest form, lease &e advised that I am not re+uesting a 0verification1 that (ou have m( mailing address, I am re+uesting a 0validation:1 that is, competent evidence that I have some contractual o&ligation to pa( (ou, 2ou should also &e a3are that sending unsu&stantiated demands for pa(ment through the 4nited States 5ail S(stem might constitute mail fraud under federal and state la3, 2our failure to satisf( this re+uest 3ithin the re+uirements of the -air %e&t .ollection ractices /ct 3ill &e construed as (our a&solute 3aiver of an( and all claims against me, and (our tacit agreement to compensate me for costs and attorne(s fees, Sincerel(,

!(our name$

CREDITOR DISCLOSURE STATEMENT 6ame and /ddress of .ollector 7assignee8:

6ame and /ddress of %e&tor:

/ccount 6um&er7s8: What are the terms of assignment for this account9 2ou ma( attach a facsimile of an( records relating to such terms,

:ave an( insurance claims &een made &( an( creditor &een made &( an( creditor or assignee regarding this account9 2es ;no :as the purported &alance of this account &een used in an( ta< deduction claim9 2es ; no lease list the particular products or services sold &( the collector to the de&tor and the dollar amount of each:

4pon failure or refusal of collector to validate this collection action, collector agrees to 3aive all claims against the de&tor named herein and pa( de&tor for all costs and attorne( fees involved in defending this collection action, = /uthori>ed signature for .ollector %ate

lease return this completed form and attach all assignment or other transfer agreements that 3ould esta&lish (our right to collect this de&t, 2our claim cannot &e considered if an( portion of this form is not completed and returned 3ith the re+uired documents, This is a re+uest for validation made pursuant to the -air %e&t .ollection ractices /ct, If (ou do not respond as re+uired &( this la3, (our claim 3ill not &e considered and (ou ma( &e lia&le for damages for continued collection efforts,