{\rtf1\ansi\ansicpg1252\deff0{\fonttbl{\f0\fswiss\fprq2\fcharset0 Verdana;}{\f1\froman\fprq2\fcharset0 Times New Roman;}} {\colortbl ;\red128\green0\blue128;\red0\green0\blue0;} {\*\generator Msftedit 5.41.15.1507;}\viewkind4\uc1\pard\qc\lang1033\b\f0\fs22 Collection Evidence Record\par \fs16\par \pard\qj\fs20 Instructions:\b0 Use this chart to keep a record of every phone call, letter, or message between you and a creditor or collection agent. Record and save every single answering machine or voice message, collection letter, and paper message. It is best to do it right away, as soon as you get the phone call, letter or message.\par \fs16\par \b\fs20 Phone calls\b0 :Write down the date and time of phone calls; the name and phone number of the person who called; and the name of the creditor or collection agent (you mean the company they are calling from?). You can tell the caller that you are "not in a position to discuss a payment plan at this time". Then get off the phone as quickly as you can without talking about why they called anymore. \par \b Phone messages: \b0 Save messages left on your answering machine anyway you can, keep them on the answering machine if you can, record them, or write down what was said.\b\par Letters:\b0 Write down the date you received the letter, the name of the creditor or collection agency and \b save the envelope \b0 for proof of the postmark date.\f1\fs24\par \b\f0\fs16\par \b0\fs20 Don\rquote t throw anything away, including the envelopes that the collection letters come in or anything included with the collection letters. If you keep getting messages, letters and phone calls, contact an attorney. You can also look at the \ul Attorney General\rquote s Guide to Fair Debt Collection\ulnone to see if the collection agent or collector is breaking the law. \b Remember that in order to \cf1 secure monetary \cf0 damages for a violation of the law your attorney must have proof of the violation. Remember:If you want to have the court to make a creditor or collection agent give you money because they harmed you by breaking the law, you need to have proof that they broke the law. This chart helps to show you have proof.\b0\par \trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrt\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrt\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrt\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrt\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrt\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qc Date\f1\fs24\par \f0\fs18 (MM/DD/YY)\cell\fs20 Time\f1\fs24\par \f0\fs18 (00:00 AM or PM)\f1\fs24\cell\f0\fs18\par Phone or Letter\cell\fs20 Name of person calling and\f1\fs24\par \f0\fs20 their phone number\cell Name of Creditor \line or Collection Agency\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\trowd\trgaph10\trleft-123\trpaddl10\trpaddr10\trpaddfl3\trpaddfr3 \clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx2076\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx4226\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx6375\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx10447\clbrdrl\brdrw10\brdrs\brdrcf2\clbrdrr\brdrw10\brdrs\brdrcf2\clbrdrb\brdrw10\brdrs\brdrcf2 \cellx14390\pard\intbl\qj\fs32\cell\fs20\cell\cell\cell\cell\row\pard\qj\par The law says that this chart is private. It is only for you and your lawyer. No one has a right to see it, \b unless\b0 you decide to use it in court.\par \b\fs18 This document constitutes attorney-client work product and as such is protected by all privileges and exclusionary rules provided for by the Federal Rules of Evidence, the Massachusetts Rules of Evidence, all federal and state statutory rules and regulations, and all judicial interpretations thereof. As a result of such privileges, this document and the contents thereof is not subject to discovery or disclosure unless voluntarily produced by the debtors and/or their attorney of record.\fs20\par \par \b0\f1\fs24\par }