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: San Antonio 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 San Antonio, Texas, individuals facing false or misleading debt collection practices have the right to challenge and inform debt collectors of any misconduct. This letter template will provide a detailed description of how to address false representation and deceptive means used by debt collectors, specifically when falsely stating the entire amount of a consumer's debt as due to when it is not. Keywords: San Antonio Texas, letter, debt collector, false or misleading misrepresentations, collection activities, false representation, deceptive means, entire amount of debt due. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: False or Misleading Misrepresentations in Collection Activities — False Statement of Entire Debt Amount Due Dear [Debt Collector's Name], I am writing this letter to bring your attention to the false or misleading misrepresentation in the collection activities related to the debt allegedly owed by me. It has come to my notice that your organization falsely represents the entire amount of my debt as due to when, in fact, this is not the case. I am aware of the rights provided to me under the Fair Debt Collection Practices Act (FD CPA) and wish to address this matter formally. As per my knowledge and the documentation available to me, the actual outstanding amount of the debt in question differs substantially from the amount mentioned in your communication. This disparity raises serious concerns regarding the accuracy and legitimacy of the collection activities carried out by your agency. Such false representation misleads consumers, creating an unfair advantage for the debt collector and causing undue burden on the consumer. I kindly request that you promptly rectify this false representation and misleading information regarding the amount due. Additionally, I demand that you provide me with a detailed breakdown of the debt, including an itemized list of charges, any added interest, and calculations leading to the alleged total amount currently claimed. It is my right as a consumer to be fully informed about the debt I am being pursued for, and any attempts to mislead or deceive me will not be tolerated. I expect a written response from your agency within 30 days of receiving this letter. Failure to address this matter satisfactorily or engaging in further deceptive practices may result in legal action, and I will not hesitate to seek remedies under the FD CPA, which includes but is not limited to reporting your agency to the relevant authorities. Please provide all correspondence in writing to the address mentioned above, enabling me to keep a well-documented record of our communications. I am prepared to take the necessary steps to protect my rights and ensure compliance with the fair and ethical debt collection practices outlined by the law. Thank you for your immediate attention to this matter. Sincerely, [Your Name]Title: San Antonio 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 San Antonio, Texas, individuals facing false or misleading debt collection practices have the right to challenge and inform debt collectors of any misconduct. This letter template will provide a detailed description of how to address false representation and deceptive means used by debt collectors, specifically when falsely stating the entire amount of a consumer's debt as due to when it is not. Keywords: San Antonio Texas, letter, debt collector, false or misleading misrepresentations, collection activities, false representation, deceptive means, entire amount of debt due. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: False or Misleading Misrepresentations in Collection Activities — False Statement of Entire Debt Amount Due Dear [Debt Collector's Name], I am writing this letter to bring your attention to the false or misleading misrepresentation in the collection activities related to the debt allegedly owed by me. It has come to my notice that your organization falsely represents the entire amount of my debt as due to when, in fact, this is not the case. I am aware of the rights provided to me under the Fair Debt Collection Practices Act (FD CPA) and wish to address this matter formally. As per my knowledge and the documentation available to me, the actual outstanding amount of the debt in question differs substantially from the amount mentioned in your communication. This disparity raises serious concerns regarding the accuracy and legitimacy of the collection activities carried out by your agency. Such false representation misleads consumers, creating an unfair advantage for the debt collector and causing undue burden on the consumer. I kindly request that you promptly rectify this false representation and misleading information regarding the amount due. Additionally, I demand that you provide me with a detailed breakdown of the debt, including an itemized list of charges, any added interest, and calculations leading to the alleged total amount currently claimed. It is my right as a consumer to be fully informed about the debt I am being pursued for, and any attempts to mislead or deceive me will not be tolerated. I expect a written response from your agency within 30 days of receiving this letter. Failure to address this matter satisfactorily or engaging in further deceptive practices may result in legal action, and I will not hesitate to seek remedies under the FD CPA, which includes but is not limited to reporting your agency to the relevant authorities. Please provide all correspondence in writing to the address mentioned above, enabling me to keep a well-documented record of our communications. I am prepared to take the necessary steps to protect my rights and ensure compliance with the fair and ethical debt collection practices outlined by the law. Thank you for your immediate attention to this matter. 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.
