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:
"(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person . . . ."
Subject: Kings New York — Exposing False or Misleading Claims in Debt Collection Practices Dear [Debt Collector's Name], I am writing this letter to express my concern regarding the recent collection activities carried out by your agency, specifically in regard to the false or misleading representation that nonpayment of any debt would result in the arrest or imprisonment of any person. It has come to my attention that your agency has been making unsubstantiated and unlawful claims to intimidate and coerce individuals into making payments. As a resident of Kings New York, I am fully aware of the laws and regulations governing debt collection practices. The Fair Debt Collection Practices Act (FD CPA) clearly prohibits debt collectors from using deceptive, false, or misleading representations. One such misrepresentation is the false claim that nonpayment of a debt leads to imprisonment or arrest. This scare tactic poses immense emotional distress on the debtor and undermines their rights. I want to emphasize that it is both unethical and illegal to make such false claims. Nonpayment of a debt is a civil matter, and there are established legal processes that must be followed for any legal action to be taken. Your representations not only misinform and mislead debtors but also seek to exploit their lack of knowledge about their rights and the debt collection laws. It is crucial for your agency to rectify these misrepresentations promptly, ensuring that all your staff members are thoroughly trained on the FD CPA guidelines. I strongly urge you to cease any further dissemination of false threats and to communicate accurate and factual information to debtors regarding the consequences of nonpayment. Failure to address these concerns promptly may result in legal action being taken against your agency. My intention is not to escalate the situation but rather to rectify these unethical practices and foster fair and transparent debt collection practices within our community. I expect a written response within [specific timeframe] detailing the actions you will take to rectify this matter. Furthermore, I request that you confirm in writing that your agency will refrain from using false or misleading representations in your collection activities. In conclusion, it is of utmost importance that debt collectors act ethically and responsibly, ensuring compliance with applicable laws and regulations. Your cooperation in rectifying this issue will be greatly appreciated, and it will help preserve the integrity of our community's debt collection practices. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]Subject: Kings New York — Exposing False or Misleading Claims in Debt Collection Practices Dear [Debt Collector's Name], I am writing this letter to express my concern regarding the recent collection activities carried out by your agency, specifically in regard to the false or misleading representation that nonpayment of any debt would result in the arrest or imprisonment of any person. It has come to my attention that your agency has been making unsubstantiated and unlawful claims to intimidate and coerce individuals into making payments. As a resident of Kings New York, I am fully aware of the laws and regulations governing debt collection practices. The Fair Debt Collection Practices Act (FD CPA) clearly prohibits debt collectors from using deceptive, false, or misleading representations. One such misrepresentation is the false claim that nonpayment of a debt leads to imprisonment or arrest. This scare tactic poses immense emotional distress on the debtor and undermines their rights. I want to emphasize that it is both unethical and illegal to make such false claims. Nonpayment of a debt is a civil matter, and there are established legal processes that must be followed for any legal action to be taken. Your representations not only misinform and mislead debtors but also seek to exploit their lack of knowledge about their rights and the debt collection laws. It is crucial for your agency to rectify these misrepresentations promptly, ensuring that all your staff members are thoroughly trained on the FD CPA guidelines. I strongly urge you to cease any further dissemination of false threats and to communicate accurate and factual information to debtors regarding the consequences of nonpayment. Failure to address these concerns promptly may result in legal action being taken against your agency. My intention is not to escalate the situation but rather to rectify these unethical practices and foster fair and transparent debt collection practices within our community. I expect a written response within [specific timeframe] detailing the actions you will take to rectify this matter. Furthermore, I request that you confirm in writing that your agency will refrain from using false or misleading representations in your collection activities. In conclusion, it is of utmost importance that debt collectors act ethically and responsibly, ensuring compliance with applicable laws and regulations. Your cooperation in rectifying this issue will be greatly appreciated, and it will help preserve the integrity of our community's debt collection practices. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
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.
