North Carolina Debt Buyer Documentation Demand (NC Gen. Stat. § 58-70-115 & 150)

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] Email: [CLIENT EMAIL] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: STATUTORY DOCUMENTATION DEMAND PURSUANT TO NORTH CAROLINA GEN. STAT. § 58-70-115 AND § 58-70-150 Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Collector Reference #: [ACCOUNT COLLECTOR REFERENCE] Dear [RECIPIENT NAME], I am writing as a resident of North Carolina regarding your collection attempts on the above-referenced debt. Please be advised that your collection activities are subject to Article 70 of Chapter 58 of the North Carolina General Statutes. Under NC Gen. Stat. § 58-70-115, it is an unfair and deceptive debt collection practice for a debt buyer to collect or attempt to collect a debt without possessing explicit account-level evidence. Pursuant to NC Gen. Stat. §§ 58-70-115 and 58-70-150, I hereby demand that you provide: 1. Original Contract / Application: A copy of the original agreement bearing my signature or electronic consent creating the debt. 2. Complete Assignment Documentation: Proof of unbroken chain of assignment from original creditor [ACCOUNT ORIGINAL CREDITOR] to [RECIPIENT NAME], explicitly identifying my account number. 3. Itemized Account Accounting: Full breakdown showing original principal, charge-off date, charge-off balance, and post-charge-off interest/fees. 4. NC Permit Number: Your active North Carolina Collection Agency Permit Number. NC Gen. Stat. § 58-70-150 explicitly bars debt buyers from filing suit or making legal demands without attaching these documents. Failure to supply this statutory proof while pursuing collection violates North Carolina law and 15 U.S.C. § 1692e. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]