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:
"(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval."
Travis Texas Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — the Use of any Written Communication which Falsely Represents to be a Document Authorized, Issued, or Approved by any Agency of the United States serves as a crucial tool to protect consumers from deceptive debt collection practices. This detailed description will provide insight into the purpose, elements, and the importance of such a letter, shedding light on how it can effectively address false or misleading misrepresentations in collection activities. The primary objective of the Travis Texas Letter is to notify a debt collector that their written communication contains false or misleading representations, particularly those that wrongly suggest the document has been authorized, issued, or approved by any agency of the United States government. By sending this letter, individuals assert their rights under the Fair Debt Collection Practices Act (FD CPA) and other relevant consumer protection laws. The content of the letter should include specific details and evidence of the false or misleading representations made by the debt collector. This may involve highlighting excerpts or attaching copies of the alleged misrepresented communication, clearly pointing out the misleading information contained within. The letter should also provide a comprehensive explanation of why these misrepresentations are inaccurate or deceptive, ensuring the debt collector understands the gravity of their actions. To be effective, a Travis Texas Letter should include relevant keywords and phrases that address the issue at hand. Some suggested keywords are: — Falsrepresentationio— - Misleading communication — Misrepresentation of agency affiliation — Unauthorizedocumenten— - Falsely approved communication — Deceptive debt collection practice— - Violation of FD CPA - Misinformation — Fraudulent representation Different types or variations of the Travis Texas Letter may exist depending on specific instances or scenarios. For example, individuals may customize the letter to address unique circumstances, such as false representations involving government agencies like the Internal Revenue Service (IRS), Social Security Administration (SSA), or the Department of Education (DOE). By tailoring the letter to these entities, individuals can highlight the severity of the offense and underscore the potential legal consequences for the debt collector. In conclusion, the Travis Texas Letter serves as a means for consumers to exercise their rights and protect themselves against debt collection practices that include false or misleading misrepresentations. By including relevant keywords and providing a comprehensive account of the deceptive communication, individuals can effectively confront debt collectors and ensure they rectify their actions. It is important to consult legal professionals or utilize sample templates to draft an accurate and informative letter that addresses the specific violation in question.
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.
