Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 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:
"11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector . . . ."
A Fairfax Virginia Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities highlights the importance of transparency and honesty in debt collection practices. This notice addresses the specific issue where a debt collector failed to disclose their identity in subsequent communication with the debtor after sending a letter requesting information regarding an alleged debt. The purpose of this notice is to inform the debt collector that their actions violate the Fair Debt Collection Practices Act (FD CPA) and to request immediate corrective measures. By failing to disclose their identity as a debt collector in subsequent communication, the debtor was misled and deprived of their rights under the FD CPA. Keywords: Fairfax Virginia, Second Notice, Debt Collector, False or Misleading Misrepresentations, Collection Activities, Failure to Disclose, Subsequent Communication, Letter Requesting Information, Alleged Debt, Fair Debt Collection Practices Act, Transparency, Honesty, Violation, Corrective Measures. It is important to note that there may be variations of this notice depending on the specific circumstances and the applicable state laws. Some examples of potential variations could include: 1. Fairfax Virginia Second Notice to Debt Collector of Failure to Disclose Initial Communication as Debt Collection Attempt — FailurfollowedFPAPAPA guidelines by neglecting to clearly disclose the nature of the initial communication as a debt collection attempt. 2. Fairfax Virginia Second Notice to Debt Collector of False Identity or Misleading Representations — Failure to accurately represent the identity or affiliation of the debt collector in subsequent communication regarding the alleged debt. 3. Fairfax Virginia Second Notice to Debt Collector of Failure to Provide Required Disclosures — Failure to provide the necessary disclosures, as mandated by the FD CPA, in subsequent communication after the initial collection attempt. These variations highlight different aspects of the debt collector's non-compliance with the FD CPA and provide a detailed description of the specific violation being addressed in the notice. Remember, it is essential to consult with legal professionals or relevant resources specific to Fairfax, Virginia, to ensure that the content and language of the notice align with the state's laws and regulations.A Fairfax Virginia Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities highlights the importance of transparency and honesty in debt collection practices. This notice addresses the specific issue where a debt collector failed to disclose their identity in subsequent communication with the debtor after sending a letter requesting information regarding an alleged debt. The purpose of this notice is to inform the debt collector that their actions violate the Fair Debt Collection Practices Act (FD CPA) and to request immediate corrective measures. By failing to disclose their identity as a debt collector in subsequent communication, the debtor was misled and deprived of their rights under the FD CPA. Keywords: Fairfax Virginia, Second Notice, Debt Collector, False or Misleading Misrepresentations, Collection Activities, Failure to Disclose, Subsequent Communication, Letter Requesting Information, Alleged Debt, Fair Debt Collection Practices Act, Transparency, Honesty, Violation, Corrective Measures. It is important to note that there may be variations of this notice depending on the specific circumstances and the applicable state laws. Some examples of potential variations could include: 1. Fairfax Virginia Second Notice to Debt Collector of Failure to Disclose Initial Communication as Debt Collection Attempt — FailurfollowedFPAPAPA guidelines by neglecting to clearly disclose the nature of the initial communication as a debt collection attempt. 2. Fairfax Virginia Second Notice to Debt Collector of False Identity or Misleading Representations — Failure to accurately represent the identity or affiliation of the debt collector in subsequent communication regarding the alleged debt. 3. Fairfax Virginia Second Notice to Debt Collector of Failure to Provide Required Disclosures — Failure to provide the necessary disclosures, as mandated by the FD CPA, in subsequent communication after the initial collection attempt. These variations highlight different aspects of the debt collector's non-compliance with the FD CPA and provide a detailed description of the specific violation being addressed in the notice. Remember, it is essential to consult with legal professionals or relevant resources specific to Fairfax, Virginia, to ensure that the content and language of the notice align with the state's laws and regulations.
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.
