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 address a matter of great concern regarding the unfair practices in collection activities that I have experienced with your agency. As required by the Fair Debt Collection Practices Act, I would like to inform you of the specific issue at hand, namely your communication with me regarding a debt by post card. This practice not only violates my rights as a consumer but also goes against the established regulations in place to protect individuals like myself. According to the laws outlined in the Fair Debt Collection Practices Act, Section 1692c(b), you are prohibited from communicating with consumers concerning a debt through post cards or publicly displayed envelopes. By sending me correspondence in such an insecure manner, you have unknowingly exposed my personal financial information to potential unauthorized individuals who may intercept or view the post card. Palm Beach, Florida, where I am currently residing, is a vibrant coastal destination known for its beautiful beaches, upscale resorts, and luxurious lifestyle. Located on a barrier island, Palm Beach offers breathtaking views of the Atlantic Ocean and a range of recreational activities such as boating, golfing, and tennis. With its sophisticated shopping districts, world-class restaurants, and cultural experiences, Palm Beach attracts visitors from around the globe. I bring this to your attention to ensure that you understand the gravity of your actions and the potential consequences of violating consumer rights. In doing so, it is my expectation that you will immediately cease all post card communications in relation to this debt. Furthermore, I would appreciate a prompt response confirming that you have acknowledged the receipt of this letter and that appropriate measures have been taken to ensure compliance with the Fair Debt Collection Practices Act. Additionally, I request that you provide written confirmation that you will refrain from any future post card communications regarding this debt or any other collection activities. Should you fail to adhere to the regulations outlined in the Fair Debt Collection Practices Act and continue to engage in unfair practices, I will be left with no choice but to report your agency to the Federal Trade Commission, the Consumer Financial Protection Bureau, and seek legal assistance to protect my rights as a consumer. I hope that this matter can be resolved swiftly and amicably. Your immediate attention to this issue is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Date]Dear [Debt Collector's Name], I am writing to address a matter of great concern regarding the unfair practices in collection activities that I have experienced with your agency. As required by the Fair Debt Collection Practices Act, I would like to inform you of the specific issue at hand, namely your communication with me regarding a debt by post card. This practice not only violates my rights as a consumer but also goes against the established regulations in place to protect individuals like myself. According to the laws outlined in the Fair Debt Collection Practices Act, Section 1692c(b), you are prohibited from communicating with consumers concerning a debt through post cards or publicly displayed envelopes. By sending me correspondence in such an insecure manner, you have unknowingly exposed my personal financial information to potential unauthorized individuals who may intercept or view the post card. Palm Beach, Florida, where I am currently residing, is a vibrant coastal destination known for its beautiful beaches, upscale resorts, and luxurious lifestyle. Located on a barrier island, Palm Beach offers breathtaking views of the Atlantic Ocean and a range of recreational activities such as boating, golfing, and tennis. With its sophisticated shopping districts, world-class restaurants, and cultural experiences, Palm Beach attracts visitors from around the globe. I bring this to your attention to ensure that you understand the gravity of your actions and the potential consequences of violating consumer rights. In doing so, it is my expectation that you will immediately cease all post card communications in relation to this debt. Furthermore, I would appreciate a prompt response confirming that you have acknowledged the receipt of this letter and that appropriate measures have been taken to ensure compliance with the Fair Debt Collection Practices Act. Additionally, I request that you provide written confirmation that you will refrain from any future post card communications regarding this debt or any other collection activities. Should you fail to adhere to the regulations outlined in the Fair Debt Collection Practices Act and continue to engage in unfair practices, I will be left with no choice but to report your agency to the Federal Trade Commission, the Consumer Financial Protection Bureau, and seek legal assistance to protect my rights as a consumer. I hope that this matter can be resolved swiftly and amicably. Your immediate attention to this issue is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Date]
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.
