Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 1692e, provides, in part, as follows:
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
"(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof."
Georgia Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States Subject: Cease and Desist False Representations — Immediate Action Required [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collection Agency] [Address] [City, State, ZIP] Dear [Debt Collector's Name], I am writing to express my deep concern and disappointment regarding the recent collection activities conducted by your agency in relation to the alleged debt owed by me. It has come to my attention that your agency has made false representations or implications that you are vouched for, bonded by, or affiliated with the United States government. According to the Fair Debt Collection Practices Act (FD CPA) and the laws of the state of Georgia, it is illegal for a debt collector to engage in deceptive or misleading collection practices, including falsely representing or implying that they are endorsed, authorized, or affiliated with any government entity, such as the United States government. These false representations not only violate my rights but also undermine the integrity of the debt collection process. I request that you immediately cease and desist from making any false representations or implications that your agency is vouched for, bonded by, or affiliated with the United States government. Failure to comply with this request may result in legal action being taken against your agency, including reporting the violation to the appropriate authorities and pursuing remedies available under the law. Please note that I have diligently kept records of all communications and documentation regarding the alleged debt, including recordings, correspondence, and screenshots. I demand that all future communications from your agency be delivered in writing and that you promptly provide verification or validation of the alleged debt, as required by the FD CPA. Any further attempts to collect the debt without proper validation will be considered a violation of my rights under the law. Furthermore, I demand that you provide written confirmation within [15 days from the date of this letter] that you have taken the necessary steps to ensure compliance and have ceased any false representations or implications. Please be aware that I reserve my right to explore all available legal options to hold your agency accountable for any violations committed under the FD CPA and state laws if my rights are further infringed upon. Any expenses incurred as a result of legal action will be sought for reimbursement from your agency. I expect a prompt and accurate response to this letter within [15 days], acknowledging the receipt of this communication and providing the requested confirmation of actions taken. Failure to respond within the specified timeframe will be deemed as a willful disregard of my rights, and I will proceed accordingly. Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify the situation and to ensure compliance with all applicable laws. Sincerely, [Your Name]Georgia Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States Subject: Cease and Desist False Representations — Immediate Action Required [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collection Agency] [Address] [City, State, ZIP] Dear [Debt Collector's Name], I am writing to express my deep concern and disappointment regarding the recent collection activities conducted by your agency in relation to the alleged debt owed by me. It has come to my attention that your agency has made false representations or implications that you are vouched for, bonded by, or affiliated with the United States government. According to the Fair Debt Collection Practices Act (FD CPA) and the laws of the state of Georgia, it is illegal for a debt collector to engage in deceptive or misleading collection practices, including falsely representing or implying that they are endorsed, authorized, or affiliated with any government entity, such as the United States government. These false representations not only violate my rights but also undermine the integrity of the debt collection process. I request that you immediately cease and desist from making any false representations or implications that your agency is vouched for, bonded by, or affiliated with the United States government. Failure to comply with this request may result in legal action being taken against your agency, including reporting the violation to the appropriate authorities and pursuing remedies available under the law. Please note that I have diligently kept records of all communications and documentation regarding the alleged debt, including recordings, correspondence, and screenshots. I demand that all future communications from your agency be delivered in writing and that you promptly provide verification or validation of the alleged debt, as required by the FD CPA. Any further attempts to collect the debt without proper validation will be considered a violation of my rights under the law. Furthermore, I demand that you provide written confirmation within [15 days from the date of this letter] that you have taken the necessary steps to ensure compliance and have ceased any false representations or implications. Please be aware that I reserve my right to explore all available legal options to hold your agency accountable for any violations committed under the FD CPA and state laws if my rights are further infringed upon. Any expenses incurred as a result of legal action will be sought for reimbursement from your agency. I expect a prompt and accurate response to this letter within [15 days], acknowledging the receipt of this communication and providing the requested confirmation of actions taken. Failure to respond within the specified timeframe will be deemed as a willful disregard of my rights, and I will proceed accordingly. Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify the situation and to ensure compliance with all applicable laws. Sincerely, [Your Name]
