We need to rewrite the letters in the Sample Section

It is time to rewrite the sample letters here on the forum. Lets face it...the letters here are utterly ridiculous and are simply bad copies of other stupid letters floating around the internet. Whoever wrote them probably never read the FDCPA and it is embarassing to have to continually tell posters on this forum not to use these pieces of junk. As a former debt collector, I used to laugh when I saw these letters come in....they simply told me that I was dealing with someone who knew how to cut and paste a letter but had no clue on what their real rights were. It is sad that these letters have sat here so long... I questioned this at least a year or so ago and I seemed to meet resistance from Nelly.

Also....can you please change the student loan forum to "Student Loans and Education Debt"?? The current title with the word consolidation is not accurate for this type of section. Educational debt is not all about consolidation...