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."
Travis Texas Letter Informing Debt Collector of Unfair Practices in Collection Activities — Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law In Travis, Texas, consumers are protected by laws that regulate the activities of debt collectors. If you find yourself in a situation where a debt collector is collecting an amount not authorized by the agreement creating the debt or by law, it's important to take action to protect your rights. One effective way to address this issue is by writing a detailed letter informing the debt collector of their unfair practices. Here is a comprehensive description, including relevant keywords, to guide you in crafting your letter: 1. Introduction: Begin your letter with a polite and professional salutation, such as "Dear [Debt Collector's Name]." Clearly state that the purpose of the letter is to address unfair practices in collection activities. 2. Your Personal Information: Include your full name, contact details (address, phone number, email), and any reference number associated with the debt. 3. Debt Details: Provide specific information about the debt in question, including the original creditor's name, the amount owed, and the date the debt was incurred. Mention that you have reviewed the agreement creating the debt and any relevant laws pertaining to debt collection in Travis, Texas. 4. Unfair Practice Description: Articulate in detail how the debt collector's actions are unfair. Use keywords such as "collecting an amount not authorized by the agreement" or "collecting an amount not authorized by law." Be sure to point out any discrepancies or discrepancies in the amount being demanded versus what is outlined in the agreement or required by law. 5. Supporting Evidence: If available, attach copies of the agreement creating the debt, any correspondence or documentation related to the debt, and any statements or receipts that confirm the authorized amount. Mention these attachments in your letter to highlight your evidence. 6. Legal Rights of Debtors: Make reference to specific laws that protect debtors in Travis, Texas, such as the Fair Debt Collection Practices Act (FD CPA) or state consumer protection statutes. Emphasize that these laws prohibit debt collectors from engaging in unfair, deceptive, or abusive practices. 7. Demand for Immediate Action: Clearly state that you expect the debt collector to rectify the issue and cease their unfair practices immediately. Specify a reasonable deadline for their response and action, typically within 15-30 days. 8. Documentation and Communication: Request written confirmation of the debt collector's actions to correct the unfair practice. Advise them to communicate with you exclusively in writing and provide a preferred method of contact, such as your mailing address and/or email. 9. Concluding Remarks: Express your willingness to cooperate and resolve the debt matter amicably if the unfair practice is rectified. Thank the recipient for their attention and conclude your letter with a polite closing, such as "Sincerely" or "Yours faithfully." Remember to keep a copy of the letter for your records and send it via certified mail with a return receipt requested to ensure proof of delivery. If the debt collector fails to respond or continues their unfair practices, you may consider seeking legal advice or filing a complaint with the appropriate regulatory authorities. Different types of letters informing debt collectors of unfair practices may include specific scenarios, such as "Harassing Phone Calls," "Threats of Legal Action," or "False Representation of Debt." Each letter would outline the unfair practice and the appropriate steps for resolution.Travis Texas Letter Informing Debt Collector of Unfair Practices in Collection Activities — Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law In Travis, Texas, consumers are protected by laws that regulate the activities of debt collectors. If you find yourself in a situation where a debt collector is collecting an amount not authorized by the agreement creating the debt or by law, it's important to take action to protect your rights. One effective way to address this issue is by writing a detailed letter informing the debt collector of their unfair practices. Here is a comprehensive description, including relevant keywords, to guide you in crafting your letter: 1. Introduction: Begin your letter with a polite and professional salutation, such as "Dear [Debt Collector's Name]." Clearly state that the purpose of the letter is to address unfair practices in collection activities. 2. Your Personal Information: Include your full name, contact details (address, phone number, email), and any reference number associated with the debt. 3. Debt Details: Provide specific information about the debt in question, including the original creditor's name, the amount owed, and the date the debt was incurred. Mention that you have reviewed the agreement creating the debt and any relevant laws pertaining to debt collection in Travis, Texas. 4. Unfair Practice Description: Articulate in detail how the debt collector's actions are unfair. Use keywords such as "collecting an amount not authorized by the agreement" or "collecting an amount not authorized by law." Be sure to point out any discrepancies or discrepancies in the amount being demanded versus what is outlined in the agreement or required by law. 5. Supporting Evidence: If available, attach copies of the agreement creating the debt, any correspondence or documentation related to the debt, and any statements or receipts that confirm the authorized amount. Mention these attachments in your letter to highlight your evidence. 6. Legal Rights of Debtors: Make reference to specific laws that protect debtors in Travis, Texas, such as the Fair Debt Collection Practices Act (FD CPA) or state consumer protection statutes. Emphasize that these laws prohibit debt collectors from engaging in unfair, deceptive, or abusive practices. 7. Demand for Immediate Action: Clearly state that you expect the debt collector to rectify the issue and cease their unfair practices immediately. Specify a reasonable deadline for their response and action, typically within 15-30 days. 8. Documentation and Communication: Request written confirmation of the debt collector's actions to correct the unfair practice. Advise them to communicate with you exclusively in writing and provide a preferred method of contact, such as your mailing address and/or email. 9. Concluding Remarks: Express your willingness to cooperate and resolve the debt matter amicably if the unfair practice is rectified. Thank the recipient for their attention and conclude your letter with a polite closing, such as "Sincerely" or "Yours faithfully." Remember to keep a copy of the letter for your records and send it via certified mail with a return receipt requested to ensure proof of delivery. If the debt collector fails to respond or continues their unfair practices, you may consider seeking legal advice or filing a complaint with the appropriate regulatory authorities. Different types of letters informing debt collectors of unfair practices may include specific scenarios, such as "Harassing Phone Calls," "Threats of Legal Action," or "False Representation of Debt." Each letter would outline the unfair practice and the appropriate steps for resolution.
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.
