Debt Collection Letter - Alaska

ALASKA DEBT-COLLECTION DEMAND / VALIDATION-NOTICE PREPARATION PACKET

DO NOT SEND THIS PACKET AS-IS. Complete the coverage, licensing, account,
validation-information, communication, and remedy gates below. Attach a
current Regulation F validation notice when required.

1. Matter and sender record

2. Coverage and Alaska authority gate

Counsel must complete every applicable item before use:

☐ The obligation and purpose of this communication were reviewed to determine
whether the federal Fair Debt Collection Practices Act and Regulation F apply.

☐ The sender's status and every applicable federal exclusion or exception were
reviewed; this packet does not decide that the sender is a covered debt collector.

☐ Alaska collection-agency licensing was verified. AS 08.24.090(a) generally
prohibits an unlicensed person from collecting another's claims for compensation
in Alaska, while subsection (b) lists specific business-course exemptions.

☐ License or exemption conclusion: [________________________________]

☐ License number and current-status source, if required: [________________________________]

☐ The account documents, assignment or servicing authority, payment history,
disputes, current creditor, and amount were independently verified.

3. Validation-information gate

If this is a covered initial communication, provide the validation information
required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 in the initial
communication or within the permitted five-day period. Use the current CFPB
Model Form B-1 or a counsel-approved notice that satisfies the current rule.

The completed notice must address, as applicable:

• debt-collector and consumer names and mailing addresses;
• current creditor and the creditor on the itemization date when required;
• account number or permitted truncation;
• the selected itemization date, itemized changes, and current amount;
• the validation-period end date and required protection statements;
• the CFPB debt-collection-information statement when required;
• electronic-response instructions if the notice is sent electronically; and
• segregated consumer-response prompts and mailing information.

☐ Completed validation notice attached as Exhibit A.

☐ Validation-period end date: [__/__/____]

☐ Delivery method and assumed-receipt calculation reviewed: [________________________________]

No payment request, heading, emphasis, deadline, or remedy statement may
overshadow or contradict the consumer's validation rights. A timely written
dispute or original-creditor request triggers the pause described in
15 U.S.C. § 1692g(b).

4. Required debt-collector disclosure

Use this initial-communication disclosure only after confirming coverage:

THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR. ANY INFORMATION
OBTAINED WILL BE USED FOR THAT PURPOSE.

For a subsequent communication, counsel must apply the disclosure rule in
15 U.S.C. § 1692e(11) and 12 C.F.R. § 1006.18(e). Any translation must be
complete, accurate, and in the same language or languages used for the rest of
the communication.

5. Optional payment request

Current amount claimed: $[____________]

Requested payment date, if any: [__/__/____]

Payment options: [________________________________]

Payee and remittance address: [________________________________]

The requested date is not the validation-period end date unless the completed
notice and current law independently produce the same date. This communication
does not create a new promise, covenant, admission, default, cure period,
forum, arbitration agreement, jury waiver, liability cap, or waiver of rights.
Failure to dispute does not constitute an admission of liability under
15 U.S.C. § 1692g(c).

6. Interest, fees, and payment application

☐ Contractual and statutory basis for every interest and fee component:
[________________________________]

☐ Transaction date and principal amount checked against AS 45.45.010(b):
[________________________________]

AS 45.45.010(a) states a 10.5 percent annual rate on money after it is due
except as provided in subsection (b). Subsection (b) separately limits an
expressly agreed rate and exempts a contract or loan commitment whose principal
exceeds $25,000. Do not use the 10.5 percent figure as blanket permission for a
different contract rate, fee, or compounding method.

Proposed application of any payment: [________________________________]

The payment-application method must be checked against the account documents
and controlling law; this packet does not impose an allocation rule.

7. Communication and remedy controls

If a covered consumer gives the written notice described in 15 U.S.C.
§ 1692c(c), further communications must stop except to:

1. advise that further efforts are being terminated;

2. notify the consumer that the collector or creditor may invoke specified
   remedies ordinarily invoked; or

3. notify the consumer, where applicable, that the collector or creditor
   intends to invoke a specified remedy.

Before mentioning litigation, reporting, repossession, garnishment, fees, or
any other consequence, counsel must verify that the action is lawful, presently
available, and actually intended. Do not threaten an action that cannot legally
be taken or is not intended, and do not state that costs or attorney fees are
automatic.

☐ Communication-time, place, employment, attorney-representation, and
third-party-contact restrictions reviewed.

☐ Credit-reporting and disputed-debt furnishing rules separately reviewed, if
reporting is contemplated.

☐ Every stated remedy is supported by the account documents and current law.

8. Sender approval

I certify for the sender that the factual fields and attached itemization were
checked against the identified records, and that counsel approved the completed
communication for the sender, account, consumer, and delivery method shown.

Authorized sender: [________________________________]

Title: [________________________________]

Signature: [________________________________]

Date: [__/__/____]

Reviewing attorney: [________________________________]

Review date: [__/__/____]

9. Official sources

• 15 U.S.C. § 1692c — https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692c&num=0&edition=prelim
• 15 U.S.C. § 1692e — https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692e&num=0&edition=prelim
• 15 U.S.C. § 1692g — https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692g&num=0&edition=prelim
• 12 C.F.R. § 1006.18 — https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.18
• 12 C.F.R. § 1006.34 — https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34
• AS 08.24.090 — https://www.akleg.gov/basis/statutes.asp?media=print&secStart=08.24.090&secEnd=08.24.190
• AS 45.45.010 — https://www.akleg.gov/basis/statutes.asp?media=print&secStart=45.45.010&secEnd=45.45.010