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:
"(5) The threat to take any action that cannot legally be taken or that is not intended to be taken."
Dear [Debt Collector's Name], I am writing this letter to address some concerns regarding the collection activities associated with my outstanding debt. As a resident of Queens, New York, I wish to inform you of some false or misleading misrepresentations made by your agency during our previous communication. Firstly, it came to my attention that your collection agency has been threatening to take legal actions that cannot lawfully be undertaken or are not genuinely intended to be taken. While debt collection is a valid process, it is essential to adhere to the laws and regulations governing such activities. In accordance with the Fair Debt Collection Practices Act (FD CPA) and New York State's specific debt collection laws, I am confident that certain actions mentioned have no validity or intention behind them. Furthermore, during our previous conversation, I noticed the use of false or misleading information in an attempt to pressure me into making a payment. It is essential to emphasize the significance of honest and accurate representation when engaging in debt collection activities. Unsubstantiated threats or deceptive tactics only serve to undermine the trust between the creditor and debtor. It is my utmost priority to ensure that all debt collection activities concerning my outstanding obligations are handled ethically, and in compliance with the applicable laws and regulations. I kindly request that you rectify these inaccuracies and adhere to these principles going forward. I trust that by addressing these concerns, we can establish a more transparent and cooperative working relationship. In the interest of transparency, I must inform you that I have sought legal advice to fully understand my rights and responsibilities concerning this debt. Any further communication should be in accordance with the FD CPA and New York State laws, ensuring that all future correspondence is truthful, respectful, and adheres to the necessary legal requirements. I expect a prompt response regarding the rectification of these issues, as well as a commitment to follow proper debt collection procedures in the future. Failure to comply with the aforementioned may result in appropriate legal action. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]Dear [Debt Collector's Name], I am writing this letter to address some concerns regarding the collection activities associated with my outstanding debt. As a resident of Queens, New York, I wish to inform you of some false or misleading misrepresentations made by your agency during our previous communication. Firstly, it came to my attention that your collection agency has been threatening to take legal actions that cannot lawfully be undertaken or are not genuinely intended to be taken. While debt collection is a valid process, it is essential to adhere to the laws and regulations governing such activities. In accordance with the Fair Debt Collection Practices Act (FD CPA) and New York State's specific debt collection laws, I am confident that certain actions mentioned have no validity or intention behind them. Furthermore, during our previous conversation, I noticed the use of false or misleading information in an attempt to pressure me into making a payment. It is essential to emphasize the significance of honest and accurate representation when engaging in debt collection activities. Unsubstantiated threats or deceptive tactics only serve to undermine the trust between the creditor and debtor. It is my utmost priority to ensure that all debt collection activities concerning my outstanding obligations are handled ethically, and in compliance with the applicable laws and regulations. I kindly request that you rectify these inaccuracies and adhere to these principles going forward. I trust that by addressing these concerns, we can establish a more transparent and cooperative working relationship. In the interest of transparency, I must inform you that I have sought legal advice to fully understand my rights and responsibilities concerning this debt. Any further communication should be in accordance with the FD CPA and New York State laws, ensuring that all future correspondence is truthful, respectful, and adheres to the necessary legal requirements. I expect a prompt response regarding the rectification of these issues, as well as a commitment to follow proper debt collection procedures in the future. Failure to comply with the aforementioned may result in appropriate legal action. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
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.
