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:
"(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."
This would include falsely stating or implying that a consumer is required to assign their wages to their creditor when such assignment is not required.
Title: Wake North Carolina Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using False Representation or Deceptive Means to Collect a Debt Description: If you believe that a debt collector in Wake, North Carolina is using false representation or employing deceptive means to collect a debt from you, it is important to take immediate action. This detailed description will guide you through writing a letter to inform the debt collector of their false or misleading misrepresentations in collection activities. Keywords: Wake North Carolina, debt collector, false representation, misleading misrepresentations, collection activities, deceptive means, debt collection laws, Fair Debt Collection Practices Act, FD CPA, cease and desist letter, dispute letter Types of Wake North Carolina Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using False Representation or Deceptive Means to Collect a Debt: 1. Cease and Desist Letter: A Cease and Desist Letter is a formal request to the debt collector to immediately stop any further contact and collection attempts on your debt. This letter is appropriate when the debt collector is making false or misleading misrepresentations in their collection activities. You can request them to cease all communication until they can provide accurate verification of the debt. 2. Dispute Letter: A Dispute Letter is used when you want to challenge the validity of the debt collector's claims or the accuracy of the information they are providing regarding the debt. In this letter, you can request the debt collector to provide evidence supporting the debt's existence, including any written agreements or detailed information about the nature of the debt. 3. Notice of False or Misleading Misrepresentations in Collection Activities: This type of letter aims to notify the debt collector that their collection activities are violating the law by using false representation or deceptive means to collect a debt. You can provide specific examples of the false or misleading statements made by the debt collector and mention the legal consequences they may face if they continue engaging in such practices. Remember, it is crucial to consult with an attorney or a consumer protection agency familiar with Wake, North Carolina's debt collection laws to ensure the accuracy and effectiveness of your letter. Be sure to keep a copy of the letter for your records and send it via certified mail with return receipt requested to have proof of delivery.Title: Wake North Carolina Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using False Representation or Deceptive Means to Collect a Debt Description: If you believe that a debt collector in Wake, North Carolina is using false representation or employing deceptive means to collect a debt from you, it is important to take immediate action. This detailed description will guide you through writing a letter to inform the debt collector of their false or misleading misrepresentations in collection activities. Keywords: Wake North Carolina, debt collector, false representation, misleading misrepresentations, collection activities, deceptive means, debt collection laws, Fair Debt Collection Practices Act, FD CPA, cease and desist letter, dispute letter Types of Wake North Carolina Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using False Representation or Deceptive Means to Collect a Debt: 1. Cease and Desist Letter: A Cease and Desist Letter is a formal request to the debt collector to immediately stop any further contact and collection attempts on your debt. This letter is appropriate when the debt collector is making false or misleading misrepresentations in their collection activities. You can request them to cease all communication until they can provide accurate verification of the debt. 2. Dispute Letter: A Dispute Letter is used when you want to challenge the validity of the debt collector's claims or the accuracy of the information they are providing regarding the debt. In this letter, you can request the debt collector to provide evidence supporting the debt's existence, including any written agreements or detailed information about the nature of the debt. 3. Notice of False or Misleading Misrepresentations in Collection Activities: This type of letter aims to notify the debt collector that their collection activities are violating the law by using false representation or deceptive means to collect a debt. You can provide specific examples of the false or misleading statements made by the debt collector and mention the legal consequences they may face if they continue engaging in such practices. Remember, it is crucial to consult with an attorney or a consumer protection agency familiar with Wake, North Carolina's debt collection laws to ensure the accuracy and effectiveness of your letter. Be sure to keep a copy of the letter for your records and send it via certified mail with return receipt requested to have proof of delivery.
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.
