Section 808 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692f, provides, in part, as follows:
"A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
"(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law."
Title: Chicago, Illinois Letter Informing Debt Collector of Unfair Practices in Collection Activities — Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law Introduction: In Chicago, Illinois, debt collectors are legally bound to follow fair practices when attempting to collect debts. This letter serves as a written notice to inform a debt collector of their unfair practices, specifically their improper collection activity involving the unauthorized collection of an amount that exceeds the agreement made in the debt creation or violates relevant laws. This letter aims to protect the rights and interests of debtors residing in Chicago, Illinois. Keywords: Chicago, Illinois, debt collector, unfair practices, collection activities, unauthorized amount, debt agreement, debt law, letter informing, debt collection, debtors' rights. Types of Chicago, Illinois Letters Informing Debt Collector of Unfair Practices: 1. Letter for Unauthorized Collection Amount: Subject: Notice of Unauthorized Collection Amount — Violation of Debt Agreement in Chicago, Illinois Dear [Debt Collector's Name], I am writing to bring your attention to the unauthorized collection amount stated in your recent communication regarding the debt I owe. According to the debt agreement established between [Creditor's Name] and me, the authorized repayment amount was clearly defined as [specify authorized amount]. However, your collection activity has exceeded the agreed-upon amount, which constitutes a violation of our original agreement. I hereby request an immediate rectification of this error and a written acknowledgment from your agency confirming the correction. Failure to comply with this request will result in my pursuit of legal remedies available under the applicable debt collection laws in Chicago, Illinois. 2. Letter for Unlawful Debt Collection Activities: Subject: Notice of Unlawful Debt Collection Activities in Chicago, Illinois Dear [Debt Collector's Name], This letter is to draw your attention to the unfair and illegal debt collection activities your agency is engaged in for the debt associated with my account. It has come to my attention that your collection practices violate the debt collection laws enforced in Chicago, Illinois. Specifically, your agency is attempting to collect an amount that surpasses the authorized limit specified in the original debt creation agreement. This action not only violates the debt agreement but also infringes upon the debtor's rights protected under state and federal laws. I demand an immediate cessation of these unlawful practices. Furthermore, I expect you to provide a written explanation of the lawful amount owed and a detailed account of any additional charges imposed. Failure to comply within [reasonable timeframe] will prompt me to file a formal complaint with the appropriate regulatory authorities and seek legal recourse available to protect my rights as a debtor residing in Chicago, Illinois. Conclusion: Chicago, Illinois is committed to ensuring fair debt collection practices are upheld. Debtors have the right to respond promptly when a debt collector engages in unfair activities, such as collecting unauthorized amounts. By using the appropriate letter template and communicating the violation clearly, debtors in Chicago, Illinois can protect themselves and ensure that debt collectors are held accountable for their actions.Title: Chicago, Illinois Letter Informing Debt Collector of Unfair Practices in Collection Activities — Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law Introduction: In Chicago, Illinois, debt collectors are legally bound to follow fair practices when attempting to collect debts. This letter serves as a written notice to inform a debt collector of their unfair practices, specifically their improper collection activity involving the unauthorized collection of an amount that exceeds the agreement made in the debt creation or violates relevant laws. This letter aims to protect the rights and interests of debtors residing in Chicago, Illinois. Keywords: Chicago, Illinois, debt collector, unfair practices, collection activities, unauthorized amount, debt agreement, debt law, letter informing, debt collection, debtors' rights. Types of Chicago, Illinois Letters Informing Debt Collector of Unfair Practices: 1. Letter for Unauthorized Collection Amount: Subject: Notice of Unauthorized Collection Amount — Violation of Debt Agreement in Chicago, Illinois Dear [Debt Collector's Name], I am writing to bring your attention to the unauthorized collection amount stated in your recent communication regarding the debt I owe. According to the debt agreement established between [Creditor's Name] and me, the authorized repayment amount was clearly defined as [specify authorized amount]. However, your collection activity has exceeded the agreed-upon amount, which constitutes a violation of our original agreement. I hereby request an immediate rectification of this error and a written acknowledgment from your agency confirming the correction. Failure to comply with this request will result in my pursuit of legal remedies available under the applicable debt collection laws in Chicago, Illinois. 2. Letter for Unlawful Debt Collection Activities: Subject: Notice of Unlawful Debt Collection Activities in Chicago, Illinois Dear [Debt Collector's Name], This letter is to draw your attention to the unfair and illegal debt collection activities your agency is engaged in for the debt associated with my account. It has come to my attention that your collection practices violate the debt collection laws enforced in Chicago, Illinois. Specifically, your agency is attempting to collect an amount that surpasses the authorized limit specified in the original debt creation agreement. This action not only violates the debt agreement but also infringes upon the debtor's rights protected under state and federal laws. I demand an immediate cessation of these unlawful practices. Furthermore, I expect you to provide a written explanation of the lawful amount owed and a detailed account of any additional charges imposed. Failure to comply within [reasonable timeframe] will prompt me to file a formal complaint with the appropriate regulatory authorities and seek legal recourse available to protect my rights as a debtor residing in Chicago, Illinois. Conclusion: Chicago, Illinois is committed to ensuring fair debt collection practices are upheld. Debtors have the right to respond promptly when a debt collector engages in unfair activities, such as collecting unauthorized amounts. By using the appropriate letter template and communicating the violation clearly, debtors in Chicago, Illinois can protect themselves and ensure that debt collectors are held accountable for their actions.
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.
