In all our experience of doing this since 2002, only a few times have customers really needed the second letter. That is a determination we make after examining what is going on. You only just ordered and received the debt cancelation system not that long ago. There has been far too little time for you to have any possibility of needing dispute letter #2. After a few months, when you have used dispute letter #1 with the affidavit and have sent those repeatedly to the pretender lender(s), in 99 times out of 100, they will have faded away and will have given up on you.

That's what you want.

We have found that when we previously gave the second letter prematurely, it was either useless or redundant or caused confusion. The customers didn't have the experience I have to know when is the best time to use the letter.

Therefore it is in your interest to simply follow the instructions as given, and only write to me several months from now to request letter #2 if they are threatening to sue, or actually suing, or there is some other more forceful action they are doing that merits the second letter. That is when it would be appropriate for you to send us the letter your opponents have sent you, that makes you think letter #2 would be needed. Then we will make the determination.

What we have been finding is that we have to educate our customers and show them by experience just how powerful dispute letter #1 really is.

We hope this helps you to understand the situation a little better.

Please don't take our turning you down as being unfriendly. It is really in your best interest. We will be here for you -- don't worry about that. Just continue following the instructions as given, and you will be fine.

Keep us informed from time to time of how it goes. If you have any further questions or concerns, let us know. I wish only the best to you.