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."
It is a violation of the Fair Debt Collection Practices Act to contact a consumer debtor's employer for a purpose other than to obtain location information.
Content: Subject: San Antonio Texas Letter to Debt Collector Regarding False or Misleading Collection Activities Dear [Debt Collector's Name], I am writing to inform you that I have recently become aware of false or misleading misrepresentations made by your agency during collection activities regarding the debt assigned to you. I believe it is important to address these issues promptly to avoid any potential legal consequences. Firstly, I wish to highlight one specific concern that has come to my attention. Your agency has been threatening to take an action that cannot legally be taken or one that is not intended to be taken. It is important to note that such actions are violations of the Fair Debt Collection Practices Act (FD CPA) and can result in legal action being taken against the debt collector. Additionally, I have discovered that your agency has been contacting my employer in relation to this debt. I must emphasize that contacting my employer about this matter is completely unjustified and in violation of the FD CPA. Furthermore, I have reviewed the FD CPA guidelines thoroughly and have not found any provision that allows you to contact my employer under these circumstances. I kindly request that you provide a detailed explanation for these false or misleading misrepresentations and the nature of the action you were threatening to take, which cannot legally be taken or is not intended to be taken. Additionally, I demand that you immediately cease all contact with my employer regarding this debt, in accordance with the law. Please be aware that I am fully aware of my rights as a consumer and will not hesitate to take appropriate legal action if these violations persist. I value the importance of fair and just debt collection practices and expect your agency to comply with all laws and guidelines outlined in the FD CPA. I appreciate your prompt attention to these matters and expect to receive a response within [number of days] days from the date of this letter. Should you fail to provide a satisfactory response or continue the mentioned collection activities, I will have no choice but to escalate this issue to the appropriate authorities. Please consider this letter as a formal complaint and a demand to rectify these violations. I expect immediate action to be taken to correct this situation and prevent any further illegal actions by your agency. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: San Antonio Texas, letter, debt collector, false or misleading misrepresentations, collection activities, threatening to take an action, legally be taken, not intended to be taken, contacting the consumer's employer, Fair Debt Collection Practices Act (FD CPA), violations, legal action, rights as a consumer, fair debt collection practices, laws, guidelines, formal complaint, demand, rectify, escalate, appropriate authorities.Content: Subject: San Antonio Texas Letter to Debt Collector Regarding False or Misleading Collection Activities Dear [Debt Collector's Name], I am writing to inform you that I have recently become aware of false or misleading misrepresentations made by your agency during collection activities regarding the debt assigned to you. I believe it is important to address these issues promptly to avoid any potential legal consequences. Firstly, I wish to highlight one specific concern that has come to my attention. Your agency has been threatening to take an action that cannot legally be taken or one that is not intended to be taken. It is important to note that such actions are violations of the Fair Debt Collection Practices Act (FD CPA) and can result in legal action being taken against the debt collector. Additionally, I have discovered that your agency has been contacting my employer in relation to this debt. I must emphasize that contacting my employer about this matter is completely unjustified and in violation of the FD CPA. Furthermore, I have reviewed the FD CPA guidelines thoroughly and have not found any provision that allows you to contact my employer under these circumstances. I kindly request that you provide a detailed explanation for these false or misleading misrepresentations and the nature of the action you were threatening to take, which cannot legally be taken or is not intended to be taken. Additionally, I demand that you immediately cease all contact with my employer regarding this debt, in accordance with the law. Please be aware that I am fully aware of my rights as a consumer and will not hesitate to take appropriate legal action if these violations persist. I value the importance of fair and just debt collection practices and expect your agency to comply with all laws and guidelines outlined in the FD CPA. I appreciate your prompt attention to these matters and expect to receive a response within [number of days] days from the date of this letter. Should you fail to provide a satisfactory response or continue the mentioned collection activities, I will have no choice but to escalate this issue to the appropriate authorities. Please consider this letter as a formal complaint and a demand to rectify these violations. I expect immediate action to be taken to correct this situation and prevent any further illegal actions by your agency. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: San Antonio Texas, letter, debt collector, false or misleading misrepresentations, collection activities, threatening to take an action, legally be taken, not intended to be taken, contacting the consumer's employer, Fair Debt Collection Practices Act (FD CPA), violations, legal action, rights as a consumer, fair debt collection practices, laws, guidelines, formal complaint, demand, rectify, escalate, appropriate authorities.
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.
