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 that the entire amount of a consumer's debt is due when it is not.
Title: Houston Texas Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using False Representation or Deceptive Means to Collect a Debt — Falsely Stating that the Entire Amount of a Consumer's Debt is Due When it is Not Introduction: In Houston, Texas, debt collection activities are regulated by various laws and regulations to safeguard consumers from unfair practices. However, some debt collectors may engage in false or misleading misrepresentations to collect a debt, such as falsely stating that the entire amount of a consumer's debt is due when it is not. This letter serves as a formal notification to inform debt collectors of their erroneous actions and to protect the rights of consumers. Content: [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Subject: False or Misleading Misrepresentations in Collection Activities Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention a matter of serious concern regarding your debt collection activities. It has come to my attention that your agency has been engaging in false or misleading misrepresentations while attempting to collect a debt from me. Specifically, I have received communications from your agency indicating that the entire amount of my debt is due when it is not the case. This deceptive practice is in violation of fair debt collection laws and regulations. I would like to remind you that I am aware of my rights as a consumer and have thoroughly reviewed the Fair Debt Collection Practices Act (FD CPA) guidelines implemented by the Federal Trade Commission (FTC). Furthermore, I am familiar with the specific regulations relevant to debt collection activities in Houston, Texas. According to Section 1692e of the FD CPA, it is unlawful for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. By falsely stating that the entire amount of my debt is due when it is not, your agency has violated this provision. This misrepresentation has caused unnecessary confusion and stress, which I find unacceptable. I kindly request that you immediately cease all false or misleading misrepresentations in your debt collection activities related to my account. I also demand that you provide me with accurate and detailed information regarding the actual amount owed on my debt. Furthermore, I expect this information to be provided promptly and within [number of days as per local regulations] days from the receipt of this letter. Failure to rectify this matter and comply with the regulations outlined in the FD CPA and local laws will leave me with no choice but to escalate the matter further. I will not hesitate to exercise my rights under the law, which may include filing a complaint with the appropriate regulatory authorities and seeking legal action to protect my interests. I strongly urge you to take immediate action to rectify this situation and ensure compliance with all applicable laws and regulations. Once I receive the accurate information regarding the amount owed, I will be able to determine the appropriate course of action moving forward. Please confirm in writing that you have received and understood this letter, and that you are taking the necessary steps to address the issue. You may send your response to the address provided above or via email at [Your Email Address], no later than [reasonable timeframe, typically within 14 days as per FD CPA]. Thank you for your prompt attention to this matter. I trust that you will act responsibly and in accordance with the law. Sincerely, [Your Name]Title: Houston Texas Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — Using False Representation or Deceptive Means to Collect a Debt — Falsely Stating that the Entire Amount of a Consumer's Debt is Due When it is Not Introduction: In Houston, Texas, debt collection activities are regulated by various laws and regulations to safeguard consumers from unfair practices. However, some debt collectors may engage in false or misleading misrepresentations to collect a debt, such as falsely stating that the entire amount of a consumer's debt is due when it is not. This letter serves as a formal notification to inform debt collectors of their erroneous actions and to protect the rights of consumers. Content: [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Subject: False or Misleading Misrepresentations in Collection Activities Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to bring to your attention a matter of serious concern regarding your debt collection activities. It has come to my attention that your agency has been engaging in false or misleading misrepresentations while attempting to collect a debt from me. Specifically, I have received communications from your agency indicating that the entire amount of my debt is due when it is not the case. This deceptive practice is in violation of fair debt collection laws and regulations. I would like to remind you that I am aware of my rights as a consumer and have thoroughly reviewed the Fair Debt Collection Practices Act (FD CPA) guidelines implemented by the Federal Trade Commission (FTC). Furthermore, I am familiar with the specific regulations relevant to debt collection activities in Houston, Texas. According to Section 1692e of the FD CPA, it is unlawful for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. By falsely stating that the entire amount of my debt is due when it is not, your agency has violated this provision. This misrepresentation has caused unnecessary confusion and stress, which I find unacceptable. I kindly request that you immediately cease all false or misleading misrepresentations in your debt collection activities related to my account. I also demand that you provide me with accurate and detailed information regarding the actual amount owed on my debt. Furthermore, I expect this information to be provided promptly and within [number of days as per local regulations] days from the receipt of this letter. Failure to rectify this matter and comply with the regulations outlined in the FD CPA and local laws will leave me with no choice but to escalate the matter further. I will not hesitate to exercise my rights under the law, which may include filing a complaint with the appropriate regulatory authorities and seeking legal action to protect my interests. I strongly urge you to take immediate action to rectify this situation and ensure compliance with all applicable laws and regulations. Once I receive the accurate information regarding the amount owed, I will be able to determine the appropriate course of action moving forward. Please confirm in writing that you have received and understood this letter, and that you are taking the necessary steps to address the issue. You may send your response to the address provided above or via email at [Your Email Address], no later than [reasonable timeframe, typically within 14 days as per FD CPA]. Thank you for your prompt attention to this matter. I trust that you will act responsibly and in accordance with the law. 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.
