Section 807 of the Fair Debt Collection Practices Act (15 USC 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:
"(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney."
Title: Iowa Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is an Attorney or that Communication is From an Attorney Keywords: Iowa, debt collector, false representation, misleading misrepresentation, collection activities, attorney, communication, letter --- Subject: Cease and Desist Notice — False Representation of Attorney Status in Debt Collection Activities [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Dear [Debt Collector's Name], RE: NOTICE OF FALSE REPRESENTATION OF ATTORNEY STATUS IN COLLECTION ACTIVITIES I am writing to bring to your immediate attention the false representation and misleading misrepresentation that your company, [Debt Collector's Company Name], has purportedly made in its debt collection activities, specifically relating to the implication that the communication is from an attorney or that your company is acting as an attorney. Such actions are in clear violation of state and federal laws governing debt collection practices. As per the Fair Debt Collection Practices Act (FD CPA), which governs debt collectors' actions, it is unlawful for debt collectors to falsely represent themselves as attorneys or imply that communication is from an attorney. These practices are deceptive, misleading, and can potentially cause significant harm to consumers. In reference to the aforementioned violations, I hereby demand that [Debt Collector's Company Name] immediately cease and desist all actions related to falsely representing or implying that your company is acting as an attorney in its debt collection activities. Furthermore, I insist that you immediately provide written confirmation, within 30 days of receiving this letter, that you have taken the necessary steps to comply with these demands. Failure to comply with this notice will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies available under both state and federal law. Please be aware that any continued false representation or misleading misrepresentation will be taken very seriously and will be met with strong legal action. I am also providing copies of this notice to the Iowa Attorney General's Office, the Consumer Financial Protection Bureau, as well as my legal representative, to ensure that the necessary authorities are informed of your company's non-compliant practices. I expect prompt and diligent attention to this matter. Your immediate compliance is necessary to avoid further legal consequences. Please provide me with written confirmation of your actions within 30 days of receiving this letter. Thank you for your prompt attention to this matter. Yours sincerely, [Your Name]Title: Iowa Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is an Attorney or that Communication is From an Attorney Keywords: Iowa, debt collector, false representation, misleading misrepresentation, collection activities, attorney, communication, letter --- Subject: Cease and Desist Notice — False Representation of Attorney Status in Debt Collection Activities [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Dear [Debt Collector's Name], RE: NOTICE OF FALSE REPRESENTATION OF ATTORNEY STATUS IN COLLECTION ACTIVITIES I am writing to bring to your immediate attention the false representation and misleading misrepresentation that your company, [Debt Collector's Company Name], has purportedly made in its debt collection activities, specifically relating to the implication that the communication is from an attorney or that your company is acting as an attorney. Such actions are in clear violation of state and federal laws governing debt collection practices. As per the Fair Debt Collection Practices Act (FD CPA), which governs debt collectors' actions, it is unlawful for debt collectors to falsely represent themselves as attorneys or imply that communication is from an attorney. These practices are deceptive, misleading, and can potentially cause significant harm to consumers. In reference to the aforementioned violations, I hereby demand that [Debt Collector's Company Name] immediately cease and desist all actions related to falsely representing or implying that your company is acting as an attorney in its debt collection activities. Furthermore, I insist that you immediately provide written confirmation, within 30 days of receiving this letter, that you have taken the necessary steps to comply with these demands. Failure to comply with this notice will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies available under both state and federal law. Please be aware that any continued false representation or misleading misrepresentation will be taken very seriously and will be met with strong legal action. I am also providing copies of this notice to the Iowa Attorney General's Office, the Consumer Financial Protection Bureau, as well as my legal representative, to ensure that the necessary authorities are informed of your company's non-compliant practices. I expect prompt and diligent attention to this matter. Your immediate compliance is necessary to avoid further legal consequences. Please provide me with written confirmation of your actions within 30 days of receiving this letter. Thank you for your prompt attention to this matter. Yours sincerely, [Your Name]
