Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, in part, as follows: "A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
"(4) The representation or implication that nonpayment of any debt will result in the . . . seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action."
Title: Harris Texas Letter: Expose False or Misleading Collection Practices Introduction: In the State of Harris, Texas, consumers have the right to protect themselves against debt collectors who employ false or misleading tactics. This detailed letter is designed to inform debt collectors of their misleading misrepresentations in collection activities, specifically those claiming that nonpayment of any debt will lead to the seizure, garnishment, attachment, or sale of any property or wages. By sending this letter, individuals can assert their rights and demand fair and truthful debt collection practices. Keywords: Harris Texas, debt collector, false representations, misleading misrepresentations, collection activities, nonpayment, seizure, garnishment, attachment, sale, property, wages Content: [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, Zip Code] Subject: Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Falsely Representing that Nonpayment of any Debt Will Result in the Seizure, Garnishment, Attachment, or Sale of any Property or Wages Dear [Debt Collection Agency Name], I am writing to bring your attention to serious concerns regarding your debt collection practices, particularly your false or misleading representations that nonpayment of any debt will lead to the seizure, garnishment, attachment, or sale of my property or wages. I believe your actions are in clear violation of state and federal laws pertaining to debt collection, specifically the FD CPA (Fair Debt Collection Practices Act) and the Texas Debt Collection Act. Upon careful review of the information provided during your collection attempts, I want to assert my rights and make it abundantly clear that your misleading misrepresentations are both intolerable and unjust. I urge you to immediately cease and desist from these deceptive techniques. Failure to comply with this request will result in my filing complaints with relevant authorities and pursuing legal remedies to protect my rights. As you may be aware, under both federal and state laws, it is illegal for a debt collector to misrepresent or confuse consumers regarding the consequences of nonpayment. Now is the time for you to rectify your actions and establish ethical and legally compliant debt collection practices. I respectfully request that you provide written confirmation, within thirty (30) days of receiving this letter, acknowledging the following: 1. Your agreement to cease all false or misleading representations in your collection activities, specifically, any claims regarding the seizure, garnishment, attachment, or sale of property or wages resulting from nonpayment of the debt. 2. Your assurance that no further communication or misleading information will be imparted to me or any entity associated with my debts. 3. A complete record of all communication between us, including phone calls, letters, and any other relevant correspondence. Please be advised that I am aware of my rights as a consumer and will exercise them fully to rectify this issue. Should it become necessary, I will not hesitate to report your illegal actions to the appropriate authorities, including but not limited to the Consumer Financial Protection Bureau (CFPB) and the Texas Department of Banking. I trust that you will promptly and diligently address this matter. Failure to comply with my demands will leave me no choice but to take further legal action to protect my rights. Thank you for your immediate attention to this letter. I expect a timely response within thirty (30) days to prevent any escalation of this matter. Your cooperation in resolving this issue would be greatly appreciated. Sincerely, [Your Name]Title: Harris Texas Letter: Expose False or Misleading Collection Practices Introduction: In the State of Harris, Texas, consumers have the right to protect themselves against debt collectors who employ false or misleading tactics. This detailed letter is designed to inform debt collectors of their misleading misrepresentations in collection activities, specifically those claiming that nonpayment of any debt will lead to the seizure, garnishment, attachment, or sale of any property or wages. By sending this letter, individuals can assert their rights and demand fair and truthful debt collection practices. Keywords: Harris Texas, debt collector, false representations, misleading misrepresentations, collection activities, nonpayment, seizure, garnishment, attachment, sale, property, wages Content: [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, Zip Code] Subject: Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Falsely Representing that Nonpayment of any Debt Will Result in the Seizure, Garnishment, Attachment, or Sale of any Property or Wages Dear [Debt Collection Agency Name], I am writing to bring your attention to serious concerns regarding your debt collection practices, particularly your false or misleading representations that nonpayment of any debt will lead to the seizure, garnishment, attachment, or sale of my property or wages. I believe your actions are in clear violation of state and federal laws pertaining to debt collection, specifically the FD CPA (Fair Debt Collection Practices Act) and the Texas Debt Collection Act. Upon careful review of the information provided during your collection attempts, I want to assert my rights and make it abundantly clear that your misleading misrepresentations are both intolerable and unjust. I urge you to immediately cease and desist from these deceptive techniques. Failure to comply with this request will result in my filing complaints with relevant authorities and pursuing legal remedies to protect my rights. As you may be aware, under both federal and state laws, it is illegal for a debt collector to misrepresent or confuse consumers regarding the consequences of nonpayment. Now is the time for you to rectify your actions and establish ethical and legally compliant debt collection practices. I respectfully request that you provide written confirmation, within thirty (30) days of receiving this letter, acknowledging the following: 1. Your agreement to cease all false or misleading representations in your collection activities, specifically, any claims regarding the seizure, garnishment, attachment, or sale of property or wages resulting from nonpayment of the debt. 2. Your assurance that no further communication or misleading information will be imparted to me or any entity associated with my debts. 3. A complete record of all communication between us, including phone calls, letters, and any other relevant correspondence. Please be advised that I am aware of my rights as a consumer and will exercise them fully to rectify this issue. Should it become necessary, I will not hesitate to report your illegal actions to the appropriate authorities, including but not limited to the Consumer Financial Protection Bureau (CFPB) and the Texas Department of Banking. I trust that you will promptly and diligently address this matter. Failure to comply with my demands will leave me no choice but to take further legal action to protect my rights. Thank you for your immediate attention to this letter. I expect a timely response within thirty (30) days to prevent any escalation of this matter. Your cooperation in resolving this issue would be greatly appreciated. Sincerely, [Your Name]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
