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Letter Informing Debt Collector of False or Misleading...

Illinois Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Failure to Disclose to Debtor in Initial Communication that Debt Collector was Attempting to Collect a Debt

Name: Illinois Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Failure to Disclose to Debtor in Initial Communication that Debt Collector was Attempting to Collect a Debt
Brand: US Legal Forms
Rating: 4.72 (304 reviews)

Category:

Collections - Fair Debt Practices Act

State:

Multi-State

Control #:

US-DCPA-19.1BG

Format:

Instant download

Description

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:

"11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose . . . ."

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FAQ

The Fair Debt Collection Practices Act (FDCPA) The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you.

The Fair Debt Collection Practices Act forbids a debt collector from making any false or misleading statements when they are attempting to collect a debt.

Under the Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681 and following), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Yes, you may be able to sue a debt collector or a debt collection agency if it engages in abusive, deceptive, or unfair behavior. A debt collector is generally someone who buys a debt from a creditor who, for whatever reason, has been unable to collect from a consumer.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

(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. (2) The false representation of -- (A) the character, amount, or legal status of any debt; or.

Your letter should: Ask the credit bureau to remove or correct the inaccurate or incomplete information. Include: your complete name and address....The credit bureaus also accept disputes online or by phone:Experian (888) 397-3742.Transunion (800) 916-8800.Equifax (866) 349-5191.

7 Most Common FDCPA ViolationsContinued attempts to collect debt not owed.Illegal or unethical communication tactics.Disclosure verification of debt.Taking or threatening illegal action.False statements or false representation.Improper contact or sharing of info.Excessive phone calls.

Unfair practices are prohibitedDeposit or threaten to deposit a postdated check before your intended payment date. Take or threaten to take property if it's not allowed. Collect more than you owe on a debt, which may include fees and interest.

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U Action: If a creditor or debt collection agency fails to disclose the purpose of its initial communication, or refuses to provide its true name, ...49 pagesMissing: Illinois ? Must include: Illinois U Action: If a creditor or debt collection agency fails to disclose the purpose of its initial communication, or refuses to provide its true name, ... False or misleading representations. Debt collectors may not misrepresent who they are, falsely represent the legal status of the debt, fail to disclose to ...States collect and report little data regarding their civil legalreport reported having been sued by a creditor or debt collector in ... At the federal level, the Fair Debt Collection Practices Act (theaffecting communications between debt collectors and the debtor or ... You might be able to avoid your creditor at first, but in time you may find yourself pursued by a professional "debt collector" or "consumer collection agency.". It also requires covered debt collectors to disclose certain information to consumers about the debts being collected, as well as about the consumers' ...

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Illinois Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Failure to Disclose to Debtor in Initial Communication that Debt Collector was Attempting to Collect a Debt

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Illinois Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Failure to Disclose to Debtor in Initial Communication that Debt Collector was Attempting to Collect a Debt

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How to fill out Illinois Letter Informing Debt Collector Of False Or Misleading Misrepresentations In Collection Activities - Failure To Disclose To Debtor In Initial Communication That Debt Collector Was Attempting To Collect A Debt?

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FAQ

What debt collection practices are forbidden by the Fair Debt Collection Practices Act?

Are debt collectors allowed to lie?

Can you sue for wrong information on credit report?

Can I sue collection agency for false information?

What are four practices that collectors are prohibited from doing under the FDCPA?

What constitutes a false and misleading debt collection practice?

How do I report an inaccurate debt collector?

What is the most common violation of the FDCPA?

Which of the following are considered unfair practices by debt collectors?

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