What is a good Credit Card Debt Validation Letter to use with most Visa and MC credit card accounts?

There are many examples of Validation Letters on the internet, this one (http://www.creditinfocenter.com/forms/sampleletter9.txt), provided by the Credit Info Center online is pretty comprehensive, however you need to do your own due diligence to ensure the laws, regulations and other information contained therein is up to date as the information appears to be several years old.