Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NH

Complaint narrative:
Stillman Law OfficeXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, sent me a letter in an attempt to collect debt. There were multiple violations, which I am attempting to resolve by sending them a certified letter. However, since they have a pattern of this ( according to complaints filed on your website ), I am adding mine here. 

This letter is sent in response to your recent communication dated XXXX XXXX XXXX regarding an alleged debt. This correspondence serves as a formal dispute of the alleged debt and a demand for validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I NEITHER ADMIT NOR DENY THIS ALLEGED DEBT. This is not a refusal to pay, but a legal demand for proper validation before any collection efforts may continue.

DEMAND FOR DEBT VALIDATION Pursuant to 15 U.S.C. 1692g and the requirements of due process, I demand that you provide the following documentation to establish your legal right to collect this alleged debt : XXXX. PROOF OF OWNERSHIP AND CHAIN OF TITLE Complete chain of title from the original creditor to your client, including all intermediate transfers All purchase agreements and assignment documents evidencing each transfer of this alleged debt Bills of sale or other legal instruments documenting each transfer Business records establishing your client 's acquisition of this debt XXXX. ORIGINAL CONTRACTUAL DOCUMENTATION Complete copy of the original contract or account agreement bearing my signature Original terms and conditions that allegedly created this obligation Account statements showing the progression of the alleged debt Complete account history from inception to alleged default XXXX. LEGAL STANDING AND AUTHORIZATION Proof of your client 's legal standing to pursue collection of this debt Documentation of your authorization to collect on behalf of your client pursuant to 15 U.S.C. 1692e and 1692f Verification that the statute of limitations has not expired on this alleged debt LEGAL STANDARDS FOR VALIDATION Your response must meet established legal standards : Federal Requirements : Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you provide adequate validation of this debt.

Evidentiary Standards : Federal Rule of Evidence 1002 ( best evidence rule ) requires original documents to prove content, especially in contractual matters. Mere affidavits or computer printouts are insufficient to establish ownership or contractual obligations. 
New Hampshire Law : Under RSA 358-C ( XXXX XXXX XXXX  Unfair, Deceptive, or Unreasonable Collection Practices Act ), debt collectors must comply with both federal and state consumer protection requirements.

PATTERN OF INADEQUATE VALIDATION I am aware that your firm has a documented pattern of providing inadequate debt validation, as evidenced by numerous consumer complaints filed with the Consumer Financial Protection Bureau. These complaints consistently cite your firm 's failure to provide proper documentation of debt ownership, relying instead on insufficient affidavits rather than the business records and transfer documents required by law.

An affidavit alone is legally insufficient to establish debt ownership. Courts have consistently held that debt buyers must prove ownership with actual documentation of the debt 's transfer.

CEASE COLLECTION ACTIVITIES Until you provide complete validation as demanded above : All collection activities must cease pursuant to 15 U.S.C. 1692g ( b ) No reports may be made to credit reporting agencies No legal action may be initiated No further communication may be made except to provide the requested validation COMPLIANCE DEADLINE You have thirty ( 30 ) days from your receipt of this certified letter to provide complete, point-by-point responses to all validation demands above. Your response must be : In writing Hand-signed by an authorized representative Accompanied by all requested documentation CONSEQUENCES OF NON-COMPLIANCE Failure to provide adequate validation within the specified timeframe will result in : Waiver of all claims regarding this alleged debt Immediate removal of any adverse cred
it reporting Filing of complaints with the Consumer Financial Protection Bureau , Federal Trade Commission , XXXX XXXX Attorney General 's Consumer Protection Bureau , and Michigan State Bar Potential civil action under the FDCPA for statutory damages and attorney fees Any continued collection efforts without proper validation will constitute violations of : 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) 15 U.S.C. 1692f ( unfair practices ) 15 U.S.C. 1692g ( validation requirements ) RSA 358-C ( XXXX XXXX consumer protection law ) RESERVATION OF RIGHTS This letter serves as a dispute to the validity of the alleged debt and your claims under 15 U.S.C. 1692 et seq. This demand is made solely for the purpose of obtaining information and shall not be construed as an acknowledgment of liability or waiver of any rights or defenses I may have. 
I hereby reserve all rights under federal and state law, including but not limited to the right to seek damages for any FDCPA violations. 
PROVIDE THE REQUIRED DOCUMENTATION OR CEASE ALL COLLECTION EFFORTS IMMEDIATELY. 
Sincerely,

Company response to consumer: Closed with explanation