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 asserting that the debt collector cannot accept partial payments when they have been authorized.
Title: Allegheny Pennsylvania Letter: Exposing False Representations by Debt Collectors and Asserting the Right to Make Partial Payments Introduction: In Allegheny, Pennsylvania, individuals have legal protection against debt collectors who use false and misleading tactics to collect debts. This article provides a detailed description of a letter that informs debt collectors about their false or misleading misrepresentations in collection activities. Specifically, it addresses situations where collectors falsely assert that they cannot accept partial payments, despite having the ability to do so. By asserting one's rights in writing, individuals can protect themselves from abusive or deceptive practices often employed by debt collectors. Content: 1. Understanding the Importance of the Allegheny Pennsylvania Letter: — Introduction to the purpose and significance of the letter. — Highlight how false representations/deceptive means violate state and federal debt collection laws. — Emphasize the importance of documenting all misrepresentations made by a debt collector. 2. Essential Elements of the Letter: — Name, address, and contact information of the individual writing the letter. — Include the debt collector's name, contact information, and account/reference numbers. — Mention the specific false representation or deceptive means used by the debt collector. — Assert that the debt collector's actions are a violation of the Fair Debt Collection Practices Act (FD CPA) and Pennsylvania state laws. — Explain that the debt collector has made a false claim by asserting they cannot accept partial payments when legally they can. — Highlight that the individual is fully aware of their rights as a debtor and expects fair and legal treatment. — Request immediate corrective action and an end to the false representation maintained by the debt collector. — State that any further attempts at collections using false representations will result in legal action and potential complaints filed with regulatory authorities. — Provide a reasonable time frame, typically 14 days, for the collector to respond and rectify the situation. — Close the letter with a formal sign-off and include the date. 3. Additional Variations of the Allegheny Pennsylvania Letter: — A letter informing a debt collector of false representation regarding the validity or ownership of the debt. — A letter addressing situations where a debt collector falsely claims to be a law enforcement officer or an attorney. — A letter addressing false representations regarding the nature or amount of the debt. Conclusion: In Allegheny, Pennsylvania, individuals have the right to challenge false or misleading misrepresentations made by debt collectors during debt collection activities. Writing a letter to inform the debt collector about their deceptive practices, such as falsely asserting their inability to accept partial payments, is an essential step in protecting oneself from unlawful tactics. By asserting their rights and holding collectors accountable, individuals can ensure fair treatment and potentially prevent further collection abuses.Title: Allegheny Pennsylvania Letter: Exposing False Representations by Debt Collectors and Asserting the Right to Make Partial Payments Introduction: In Allegheny, Pennsylvania, individuals have legal protection against debt collectors who use false and misleading tactics to collect debts. This article provides a detailed description of a letter that informs debt collectors about their false or misleading misrepresentations in collection activities. Specifically, it addresses situations where collectors falsely assert that they cannot accept partial payments, despite having the ability to do so. By asserting one's rights in writing, individuals can protect themselves from abusive or deceptive practices often employed by debt collectors. Content: 1. Understanding the Importance of the Allegheny Pennsylvania Letter: — Introduction to the purpose and significance of the letter. — Highlight how false representations/deceptive means violate state and federal debt collection laws. — Emphasize the importance of documenting all misrepresentations made by a debt collector. 2. Essential Elements of the Letter: — Name, address, and contact information of the individual writing the letter. — Include the debt collector's name, contact information, and account/reference numbers. — Mention the specific false representation or deceptive means used by the debt collector. — Assert that the debt collector's actions are a violation of the Fair Debt Collection Practices Act (FD CPA) and Pennsylvania state laws. — Explain that the debt collector has made a false claim by asserting they cannot accept partial payments when legally they can. — Highlight that the individual is fully aware of their rights as a debtor and expects fair and legal treatment. — Request immediate corrective action and an end to the false representation maintained by the debt collector. — State that any further attempts at collections using false representations will result in legal action and potential complaints filed with regulatory authorities. — Provide a reasonable time frame, typically 14 days, for the collector to respond and rectify the situation. — Close the letter with a formal sign-off and include the date. 3. Additional Variations of the Allegheny Pennsylvania Letter: — A letter informing a debt collector of false representation regarding the validity or ownership of the debt. — A letter addressing situations where a debt collector falsely claims to be a law enforcement officer or an attorney. — A letter addressing false representations regarding the nature or amount of the debt. Conclusion: In Allegheny, Pennsylvania, individuals have the right to challenge false or misleading misrepresentations made by debt collectors during debt collection activities. Writing a letter to inform the debt collector about their deceptive practices, such as falsely asserting their inability to accept partial payments, is an essential step in protecting oneself from unlawful tactics. By asserting their rights and holding collectors accountable, individuals can ensure fair treatment and potentially prevent further collection abuses.
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.
