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:
"(7) Communicating with a consumer regarding a debt by post card."
Dear [Debt Collector's Name], I am writing to bring to your attention some concerning practices I have observed during your attempts to collect a debt from me. It has come to my attention that you have been communicating with me regarding this debt using postcards, which I believe violates the Fair Debt Collection Practices Act (FD CPA) and the Consumer Financial Protection Bureau (CFPB) guidelines. First and foremost, I would like to highlight that sending correspondence through postcards can potentially expose my personal and financial information to unauthorized individuals. This lack of privacy raises serious concerns about the security and confidentiality of my personal information, potentially leading to identity theft or other forms of fraud. Additionally, the FD CPA clearly stipulates that debt collectors must engage in fair and respectful communication with consumers. Communicating through postcards is not only an invasion of privacy but also a disrespectful and unprofessional approach. It lacks the necessary discretion and sensitivity that should accompany such matters, potentially causing embarrassment or emotional distress for the recipient. Furthermore, it is important to note that the CFPB guidelines state that all communication related to a debt should be sent in an envelope, ensuring confidentiality and protecting the privacy of the consumer. By choosing to communicate through postcards, you are willingly disregarding these guidelines, which raises doubts about your commitment to conducting ethical and lawful collection practices. I kindly request that you immediately cease all communication with me regarding this debt using postcards. Moving forward, please ensure that all correspondence, whether written or verbal, is conducted within the boundaries of the FD CPA and other relevant consumer protection laws. If you choose to communicate with me through mail, it should be done securely, using a sealed envelope to protect my personal information and maintain privacy. Should you fail to comply with these requests or continue to engage in unfair collection practices, I will have no choice but to seek legal advice and file a complaint with the appropriate regulatory agencies to protect my rights as a consumer. I trust that you will take this matter seriously and rectify your collection practices accordingly. I appreciate your prompt attention to this issue and look forward to a resolution. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address]Dear [Debt Collector's Name], I am writing to bring to your attention some concerning practices I have observed during your attempts to collect a debt from me. It has come to my attention that you have been communicating with me regarding this debt using postcards, which I believe violates the Fair Debt Collection Practices Act (FD CPA) and the Consumer Financial Protection Bureau (CFPB) guidelines. First and foremost, I would like to highlight that sending correspondence through postcards can potentially expose my personal and financial information to unauthorized individuals. This lack of privacy raises serious concerns about the security and confidentiality of my personal information, potentially leading to identity theft or other forms of fraud. Additionally, the FD CPA clearly stipulates that debt collectors must engage in fair and respectful communication with consumers. Communicating through postcards is not only an invasion of privacy but also a disrespectful and unprofessional approach. It lacks the necessary discretion and sensitivity that should accompany such matters, potentially causing embarrassment or emotional distress for the recipient. Furthermore, it is important to note that the CFPB guidelines state that all communication related to a debt should be sent in an envelope, ensuring confidentiality and protecting the privacy of the consumer. By choosing to communicate through postcards, you are willingly disregarding these guidelines, which raises doubts about your commitment to conducting ethical and lawful collection practices. I kindly request that you immediately cease all communication with me regarding this debt using postcards. Moving forward, please ensure that all correspondence, whether written or verbal, is conducted within the boundaries of the FD CPA and other relevant consumer protection laws. If you choose to communicate with me through mail, it should be done securely, using a sealed envelope to protect my personal information and maintain privacy. Should you fail to comply with these requests or continue to engage in unfair collection practices, I will have no choice but to seek legal advice and file a complaint with the appropriate regulatory agencies to protect my rights as a consumer. I trust that you will take this matter seriously and rectify your collection practices accordingly. I appreciate your prompt attention to this issue and look forward to a resolution. 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.
