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: Palm Beach Florida 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 Keywords: Palm Beach Florida, letter, debt collector, false or misleading misrepresentations, collection activities, business name, true name, debt collector's business Introduction: In Palm Beach, Florida, individuals have the right to protect themselves from deceptive debt collection practices. One such practice involves debt collectors using a business name other than their true name to mislead and confuse consumers. If you encounter such an issue, it is important to take action and submit a letter informing the debt collector of their false or misleading misrepresentations. Types of Palm Beach, Florida Letters Informing Debt Collector of False or Misleading Misrepresentations: 1. Letter to Debt Collector Addressing False or Misleading Business Name: If a debt collector contacts you using a business name that differs from their true name, you can send a letter to address this issue. The letter should highlight the false or misleading business name being used, explain the potential confusion caused, and demand that they cease using the inaccurate name immediately. 2. Letter Asserting Violation of the Fair Debt Collection Practices Act (FD CPA): If the debt collector's use of a business name other than their true name violates the FD CPA, you can craft a letter notifying them of this violation. Reference specific sections of the FD CPA that they have breached, outline the misleading misrepresentations made, and request that they correct their practices to comply with the law. 3. Letter Requesting Validation of the Debt Under the Correct Business Name: In cases where debt validation is required, you can send a letter requesting verification of the debt under the debt collector's true business name. State that their use of an incorrect business name raises doubt about the accuracy of the debt, and emphasize the necessity to validate it under the correct information. 4. Letter Requesting Cease and Desist of Collection Activities Due to Misleading Representations: If the use of a false or misleading business name continues despite previous notifications, you may send a letter demanding an immediate halt to collection activities. Cite the numerous instances where they misrepresented themselves and made false claims, threatening legal action if they fail to comply. Conclusion: Debt collectors using an incorrect business name in Palm Beach, Florida, can cause confusion and potentially violate debt collection laws. It is important to address such issues promptly by preparing and sending relevant letters to the debt collector. By asserting your rights and demanding adherence to the true name of their business, you can protect yourself from deceptive practices in debt collection activities.Title: Palm Beach Florida 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 Keywords: Palm Beach Florida, letter, debt collector, false or misleading misrepresentations, collection activities, business name, true name, debt collector's business Introduction: In Palm Beach, Florida, individuals have the right to protect themselves from deceptive debt collection practices. One such practice involves debt collectors using a business name other than their true name to mislead and confuse consumers. If you encounter such an issue, it is important to take action and submit a letter informing the debt collector of their false or misleading misrepresentations. Types of Palm Beach, Florida Letters Informing Debt Collector of False or Misleading Misrepresentations: 1. Letter to Debt Collector Addressing False or Misleading Business Name: If a debt collector contacts you using a business name that differs from their true name, you can send a letter to address this issue. The letter should highlight the false or misleading business name being used, explain the potential confusion caused, and demand that they cease using the inaccurate name immediately. 2. Letter Asserting Violation of the Fair Debt Collection Practices Act (FD CPA): If the debt collector's use of a business name other than their true name violates the FD CPA, you can craft a letter notifying them of this violation. Reference specific sections of the FD CPA that they have breached, outline the misleading misrepresentations made, and request that they correct their practices to comply with the law. 3. Letter Requesting Validation of the Debt Under the Correct Business Name: In cases where debt validation is required, you can send a letter requesting verification of the debt under the debt collector's true business name. State that their use of an incorrect business name raises doubt about the accuracy of the debt, and emphasize the necessity to validate it under the correct information. 4. Letter Requesting Cease and Desist of Collection Activities Due to Misleading Representations: If the use of a false or misleading business name continues despite previous notifications, you may send a letter demanding an immediate halt to collection activities. Cite the numerous instances where they misrepresented themselves and made false claims, threatening legal action if they fail to comply. Conclusion: Debt collectors using an incorrect business name in Palm Beach, Florida, can cause confusion and potentially violate debt collection laws. It is important to address such issues promptly by preparing and sending relevant letters to the debt collector. By asserting your rights and demanding adherence to the true name of their business, you can protect yourself from deceptive practices in debt collection activities.
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.
