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:
"(5) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees."
Title: Harris Texas Letter Informing Debt Collector of Unfair Practices in Collection Activities — Causing a Person to Incur Charges for Communications by Concealing the True Purpose of the Communication Keywords: Harris Texas, letter, debt collector, unfair practices, collection activities, communications, charges, concealing true purpose Introduction: In the state of Harris, Texas, individuals who find themselves facing unfair practices by debt collectors have the right to take action. One specific scenario that calls for action includes instances where a debt collector causes a person to incur charges for communications by deliberately concealing the true purpose of the communication. This article aims to provide a detailed description of what constitutes an unfair practice, the potential consequences of the consumer, and how to draft a letter to inform the debt collector of these unfair practices. Types of Harris Texas Letters Informing Debt Collector of Unfair Practices: 1. Harris Texas Letter Informing Debt Collector of Concealing Communication's True Purpose: — Definition: This letter addresses instances where debt collectors hide the true purpose of communications, leading the consumer to incur charges unknowingly. — Objective: Inform the debt collector about their unfair practice of concealing the true purpose of communications and highlight the negative impact it has on the consumer. — Content: Detail specific instances where the debt collector concealed the purpose of communications, provide evidence or supporting documents, express dissatisfaction, and demand corrective actions. 2. Harris Texas Letter Informing Debt Collector of Unfair Charges Incurred due to Concealed Communications: — Definition: This letter focuses on situations where the debt collector caused the consumer to accrue charges directly resulting from concealed communications. — Objective: Inform the debt collector of unfair charges resulting from their concealed communications, assert the consumer's rights, and request compensation or debt forgiveness. — Content: Describe the concealed communications leading to charges, outline the financial consequences suffered, provide evidence of the incurred charges, assert consumer protection rights, and request immediate resolution. 3. Harris Texas Letter Informing Debt Collector of Unfair Collection Practices in Concealing Communication Purpose: — Definition: This letter addresses a broader scope of unfair practices in debt collection activities, specifically focusing on concealing communication purposes. — Objective: Inform the debt collector of their unfair collection practices, educate them about the violation of consumer rights, and demand compliance with applicable laws. — Content: Explain the debt collector's obligation to transparently communicate the purpose of their communications, highlight the consumer's rights under relevant laws, provide examples of their violation, and demand compliance, accompanied by the potential consequences of further action. Conclusion: Dealing with unfair practices from debt collectors in Harris, Texas can be distressing. Understanding the types of letters that can be written to inform debt collectors about their unfair practices, such as concealing the true purpose of communications leading to charges, is essential. By asserting their rights and addressing these issues in a formal letter, consumers can seek recourse, protect their financial interests, and foster fair debt collection practices within Harris, Texas.
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.
