Debt Collection Disclosure Testing

LETTER CODE: X

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original
creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: C

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: W

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we will not sue
you for it.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: O1

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it. In most cases, a debt that is this old
also cannot appear on your credit report.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: O2

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it. With a few exceptions, a debt that is
this old also cannot appear on your credit report.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: N1

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it. The debt can still appear on your
credit report.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R1

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot
sue you for it unless you make a payment or
acknowledge it in writing.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R1O1

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot
sue you for it unless you make a payment or
acknowledge it in writing. In most cases, the debt
cannot appear on your credit report.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R1O2

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot
sue you for it unless you make a payment or
acknowledge it in writing. We will not report it
to any credit reporting agency.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R1NO1

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot
sue you for it unless you make a payment or
acknowledge it in writing. The debt can still
appear on your credit report.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R2

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it.
Take note: You can renew the debt and the statute
of limitations for the filing of a lawsuit against you
if you do any of the following: Make any payment
on the debt, sign a paper in which you admit that
you owe the debt or in which you make a new
promise to pay, or sign a paper in which you give
up or waive your right to stop the creditor from
suing you in court to collect the debt.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R3

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it. Even so, you may choose to make
payments on the debt. However, be aware: if you
make a payment on the debt, admit to owing the
debt, promise to pay the debt, or waive the statute
of limitations on the debt, the time period in which
the debt is enforceable in court may start again.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R4

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot sue
you for it. Even so, you may CHOOSE to make
payments. However, BE AWARE: if you make a
payment, the creditor’s right to sue you to make
you pay the entire debt may START AGAIN.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: R5

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

If you do nothing in response to this notice, we
cannot sue you to collect this debt. This is because
this debt is too old. BUT if you make a partial
payment or acknowledge in writing that you owe
this debt, then we can sue you to collect it.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.

LETTER CODE: CC1

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot
sue you for it unless you make a payment or
acknowledge it in writing.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

How do you want to respond?
o Stop contacting me about this debt.
o Quiero esta forma en español.

LETTER CODE: CC2

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

Because of the age of this debt, we cannot
sue you for it unless you make a payment or
acknowledge it in writing. In most cases, the debt
cannot appear on your credit report.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

How do you want to respond?
o Stop contacting me about this debt.
o Quiero esta forma en español.

LETTER CODE: Z

North South Group
P.O. Box 121212
Pasadena, CA 91111-2222
(800) 123-4567 from 8am to 8pm EST, Monday to Saturday
www.NorthSouthGroup.com

To:

P
 erson A
2323 Park Street
Apartment 342
Bethesda, MD 20815

Reference: 584-345

North South Group is a debt collector. We are trying to collect a debt that you owe to Bank of
Rockville. We will use any information you give us to help collect the debt.
Our information shows:

How can you dispute the debt?

You had a Main Street Department Store credit card from Bank
of Rockville with account number 123-456-789.

nn Write to us by November 12, 2017, to dispute all or part of

As of January 2, 2009, you owed:

$ 2,234.56

Between January 2, 2009 and today:
You were charged this amount in interest:

+

$ 75.00

You were charged this amount in fees:

+

$ 25.00

Y
 ou paid or were credited this amount
toward the debt:

–

$ 50.00

Total amount of the debt now:

$ 2,284.56

the debt. If you do, we must stop collection on any amount
you dispute until we send you information that shows you
owe the debt. If we do not hear from you by November 12,
2017, we will assume that our information is correct.

nn You may use the form below or you may write to us without
the form. You may also include supporting documents. We
accept disputes electronically at www.NorthSouthGroup.
com/dispute.

What else can you do?
nn Ask us to send you the name and address of the original

If you do nothing in response to this notice,
we cannot sue you to collect this debt. This is
because this debt is too old.

creditor. Write by November 12, 2017, and we will stop
collection until we send you that information. You may use
the form below or you may write to us without the form.

nn Learn more about your rights under federal law. For
instance, you have the right to stop or limit how we contact
you. See the enclosed Know Your Debt Collection Rights
document or go to www.consumerfinance.gov.

nn Contact us about your payment options.
nn Review state law disclosures on reverse side, if applicable.
nn Póngase en contacto con nosotros para solicitar una copia
de este formulario en español.

✃
How do you want to respond?
Mail this form to:
North South Group
P.O. Box 121212
Pasadena, CA 91111-2222

Check all that apply:
o I want to dispute the debt because I think:
o This is not my debt.
o The amount is wrong.
o Other or more detail:________________
o I want you to send me the name and
address of the original creditor.

Person A
2323 Park Street
Apartment 342
Bethesda, MD 20815

o I enclosed this amount:

$

Make your check payable to North South
Group. Include the reference number 584-345.
o Quiero esta forma en español.