Commercial Affidavit of Right to Cure, Debt Validation, and Disclosure Demand

This document is a high-powered legal rebuttal and TILA enforcement package created to dispute any alleged debt, especially those based on fraudulent retail installment contracts or assigned obligations. It’s designed for private individuals (non-trust) who received a Notice of Default or any communication attempting to collect on a debt without full Truth In Lending disclosures under federal law.

You will receive:

• TILA Disclosure Demand Letter citing 15 U.S.C. §§ 1601–1666

• Notice of Fraud and Denial of Contract under UCC

• Demand for validation under 12 CFR § 1006.34 (Regulation F)

• Request for all signed documents and disclosure of personal financial data under the Gramm-Leach-Bliley Act, 15 U.S.C. § 6802

• Statement invoking your right of rescission under 15 U.S.C. § 1635

• Itemized demand for proof of trade-in, correct VIN, and finance charge breakdown

• Affidavit block for notarized enforcement and certified mailing

This document places the burden back on the alleged creditor. If they fail to produce what federal law requires, they have violated TILA and U.S. contract law.

⚖️ “Fraud vitiates all contracts. No TILA disclosures = No lawful debt. Let this affidavit speak.”

⚠️ Includes certified mail field, notary block, and real-party-in-interest clause for private use.