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.
Keywords: Fulton Georgia, debt collector, false or misleading misrepresentations, collection activities, false representation, deceptive means, partial payments Title: Fulton Georgia — Letter Addressing False or Misleading Tactics in Debt Collection and Asserting the Right to Make Partial Payments Introduction: Dear [Debt Collector's Name], I am writing this letter to bring to your attention some concerns I have regarding the collection activities associated with the debt you claim I owe. It has come to my attention that there have been false or misleading misrepresentations made during this process. Furthermore, I would like to assert my right to make partial payments towards this debt, despite any assertions you may have made suggesting otherwise. Body: 1) False or Misleading Misrepresentations: I must emphasize that it is important to conduct debt collection activities in a fair and lawful manner. Sadly, there have been instances where misleading or false representations have taken place during this process. Such misrepresentations not only undermine the integrity of debt collection practices but also instill doubt and mistrust in the debtor. 2) Legal Implications: Using false representation or deceptive means to collect a debt is not only unethical but also potentially illegal. As a consumer, I have the right to be treated fairly and to have accurate information provided to me during the debt collection process. Any attempts to deceive or mislead me about the nature, amount, or consequences of the debt in question are unacceptable. 3) Assertion: The Ability to Make Partial Payments: Contrary to any statements made by your agency, I would like to assert my right to make partial payments towards this debt. I understand that the complete amount owed needs to be settled eventually, but I believe that partial payments can help demonstrate a genuine effort to resolve this matter. By refusing to accept partial payments, your agency may be neglecting a potential resolution that could benefit both parties involved. 4) Legal Validation: It is worth noting that state and federal laws, including the Georgia Fair Debt Collection Practices Act, clearly state that a debt collector cannot falsely represent or mislead a debtor regarding the terms of debt repayment. Additionally, according to these laws, debt collectors are obliged to provide accurate and truthful information about the debt, its amount, and any potential repayment options available. Conclusion: In light of the false or misleading misrepresentations that have occurred in the debt collection process up until now, and based on my understanding of the laws governing such practices, I kindly request that you rectify this situation promptly. Please acknowledge my right to make partial payments towards this debt and ensure that future communications and actions by your agency accurately reflect this perspective. Failure to do so may result in appropriate legal action being taken. Sincerely, [Your Name]Keywords: Fulton Georgia, debt collector, false or misleading misrepresentations, collection activities, false representation, deceptive means, partial payments Title: Fulton Georgia — Letter Addressing False or Misleading Tactics in Debt Collection and Asserting the Right to Make Partial Payments Introduction: Dear [Debt Collector's Name], I am writing this letter to bring to your attention some concerns I have regarding the collection activities associated with the debt you claim I owe. It has come to my attention that there have been false or misleading misrepresentations made during this process. Furthermore, I would like to assert my right to make partial payments towards this debt, despite any assertions you may have made suggesting otherwise. Body: 1) False or Misleading Misrepresentations: I must emphasize that it is important to conduct debt collection activities in a fair and lawful manner. Sadly, there have been instances where misleading or false representations have taken place during this process. Such misrepresentations not only undermine the integrity of debt collection practices but also instill doubt and mistrust in the debtor. 2) Legal Implications: Using false representation or deceptive means to collect a debt is not only unethical but also potentially illegal. As a consumer, I have the right to be treated fairly and to have accurate information provided to me during the debt collection process. Any attempts to deceive or mislead me about the nature, amount, or consequences of the debt in question are unacceptable. 3) Assertion: The Ability to Make Partial Payments: Contrary to any statements made by your agency, I would like to assert my right to make partial payments towards this debt. I understand that the complete amount owed needs to be settled eventually, but I believe that partial payments can help demonstrate a genuine effort to resolve this matter. By refusing to accept partial payments, your agency may be neglecting a potential resolution that could benefit both parties involved. 4) Legal Validation: It is worth noting that state and federal laws, including the Georgia Fair Debt Collection Practices Act, clearly state that a debt collector cannot falsely represent or mislead a debtor regarding the terms of debt repayment. Additionally, according to these laws, debt collectors are obliged to provide accurate and truthful information about the debt, its amount, and any potential repayment options available. Conclusion: In light of the false or misleading misrepresentations that have occurred in the debt collection process up until now, and based on my understanding of the laws governing such practices, I kindly request that you rectify this situation promptly. Please acknowledge my right to make partial payments towards this debt and ensure that future communications and actions by your agency accurately reflect this perspective. Failure to do so may result in appropriate legal action being taken. 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.
