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:
"(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization."
Title: Harris Texas Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Using a Business Name Other Than the True Name of the Debt Collector's Business Introduction: In Harris County, Texas, consumers have the right to protect themselves against debt collectors who engage in false or misleading practices. This article will provide a detailed description of the Harris Texas Letter that individuals can use to inform debt collectors of false or misleading misrepresentations in collection activities involving the use of a business name other than the true name of the debt collector's business. Keywords: Harris County Texas, debt collector, false or misleading misrepresentations, collection activities, business name, true name, letter informing. 1. Purpose of the Harris Texas Letter: The purpose of the Harris Texas Letter is to make debt collectors aware that their collection activities are misleading or falsely represented when they use a business name other than their true name. The letter serves as a written notification to the debt collector, highlighting the legal violation and requesting immediate action to rectify the situation. 2. Content and Structure of the Harris Texas Letter: The Harris Texas Letter should be concise, clear, and to the point. It should include the following elements: a. Personal Information: — Consumer's full name, address, and contact information. — Account number or reference number associated with the debt. b. Date of the Letter: — The date when the letter is being sent. c. Debt Collector's Information: — The debt collector's full name, address, and contact information. — Any known business names used by the debt collector. d. Statement of False or Misleading Misrepresentations: — Clear and detailed explanation of the debt collector's false or misleading misrepresentations in their collection activities. — Mention of the business name other than the true name used by the debt collector. e. Legal Grounds: — Citations of relevant consumer protection laws, such as the Fair Debt Collection Practices Act (FD CPA) and Texas laws specific to debt collection practices. — Explanation of how the debt collector's actions violate these laws. f. Request for Immediate Corrective Measures: — Request for the debt collector to cease using the false or misleading business name and provide accurate information in all future communications. — Demand for a written confirmation of the corrective actions taken within a specified time frame. g. Legal Consequences: — Mention of potential legal action or reporting to relevant authorities if the debt collector fails to comply with the demands in the letter. h. Closing and Signature: — Polite closing remarks— - Consumer's signature and printed name. 3. Types of Harris Texas Letter Informing Debt Collector of False or Misleading Misrepresentations: There are no specific subtypes of the Harris Texas Letter concerning false or misleading misrepresentations using a business name other than the true name. However, variations may arise depending on the debt collector's unique misrepresentation practices or if multiple business names are being used. Conclusion: The Harris Texas Letter is a powerful tool that allows individuals in Harris County, Texas, to address debt collectors who engage in false or misleading practices through the use of a business name other than their true name. By submitting this well-crafted letter, consumers can protect themselves, assert their rights, and demand corrective actions from debt collectors.Title: Harris Texas Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Using a Business Name Other Than the True Name of the Debt Collector's Business Introduction: In Harris County, Texas, consumers have the right to protect themselves against debt collectors who engage in false or misleading practices. This article will provide a detailed description of the Harris Texas Letter that individuals can use to inform debt collectors of false or misleading misrepresentations in collection activities involving the use of a business name other than the true name of the debt collector's business. Keywords: Harris County Texas, debt collector, false or misleading misrepresentations, collection activities, business name, true name, letter informing. 1. Purpose of the Harris Texas Letter: The purpose of the Harris Texas Letter is to make debt collectors aware that their collection activities are misleading or falsely represented when they use a business name other than their true name. The letter serves as a written notification to the debt collector, highlighting the legal violation and requesting immediate action to rectify the situation. 2. Content and Structure of the Harris Texas Letter: The Harris Texas Letter should be concise, clear, and to the point. It should include the following elements: a. Personal Information: — Consumer's full name, address, and contact information. — Account number or reference number associated with the debt. b. Date of the Letter: — The date when the letter is being sent. c. Debt Collector's Information: — The debt collector's full name, address, and contact information. — Any known business names used by the debt collector. d. Statement of False or Misleading Misrepresentations: — Clear and detailed explanation of the debt collector's false or misleading misrepresentations in their collection activities. — Mention of the business name other than the true name used by the debt collector. e. Legal Grounds: — Citations of relevant consumer protection laws, such as the Fair Debt Collection Practices Act (FD CPA) and Texas laws specific to debt collection practices. — Explanation of how the debt collector's actions violate these laws. f. Request for Immediate Corrective Measures: — Request for the debt collector to cease using the false or misleading business name and provide accurate information in all future communications. — Demand for a written confirmation of the corrective actions taken within a specified time frame. g. Legal Consequences: — Mention of potential legal action or reporting to relevant authorities if the debt collector fails to comply with the demands in the letter. h. Closing and Signature: — Polite closing remarks— - Consumer's signature and printed name. 3. Types of Harris Texas Letter Informing Debt Collector of False or Misleading Misrepresentations: There are no specific subtypes of the Harris Texas Letter concerning false or misleading misrepresentations using a business name other than the true name. However, variations may arise depending on the debt collector's unique misrepresentation practices or if multiple business names are being used. Conclusion: The Harris Texas Letter is a powerful tool that allows individuals in Harris County, Texas, to address debt collectors who engage in false or misleading practices through the use of a business name other than their true name. By submitting this well-crafted letter, consumers can protect themselves, assert their rights, and demand corrective actions from debt collectors.
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.
