Louisiana Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act

• Category: Letters - Legal - Collections
• State: Multi-State
• Control #: US-0493LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: Louisiana Sample Letter to Debt Collector Re: Fair Debt Collection and Practices Act Greetings, In accordance with the Fair Debt Collection and Practices Act (FD CPA), I am writing this letter to address my concerns and assert my rights regarding a debt that you have claimed I owe. I am a resident of Louisiana and would like to exercise my rights as an informed consumer. Considering the FD CPA protects consumers from potential harassment and ensures fair debt collection practices, I expect your compliance with the following guidelines: 1. Debt Verification Request: Pursuant to Section 809 of the FD CPA, I request that you provide me with written verification of the debt you are attempting to collect. This information should include the origin of the debt, the amount owed, and any supporting documentation proving my liability. 2. Cease and Desist Communication: Per Section 805(c) of the FD CPA, I am hereby exercising my right to request that you cease all communication with me, both written and oral, regarding this debt until proper verification is provided. Any further communication attempts, if made, will be considered a violation of the FD CPA, and I will not hesitate to report such activity to the Federal Trade Commission (FTC) and the Louisiana Attorney General's Office. 3. Prohibited Practices: a. Threats or Coercion: As outlined in Section 806 of the FD CPA, I am aware that any threats or coercion made by you or your agency are strictly prohibited. This includes threats of violence, legal action that cannot be taken, or false representations regarding the debt. b. Deceptive Representations: In compliance with Section 807 of the FD CPA, any misleading or deceptive representations of the debt, its amount, or consequences will also be considered a violation. This includes misrepresenting my rights, the identity of the debt collector, or any incorrect information regarding legal procedures. 4. Validation Period: As per Section 809(b) of the FD CPA, I am aware that you are required to provide me with the requested debt validation within 30 days of receiving this letter. Failure to comply with this timeframe will be grounds for further action. I strongly advise you to review the FD CPA thoroughly, as it encompasses the legal boundaries within which you must operate as a debt collector. Ignoring or violating this law can result in severe penalties, including monetary fines and potential legal action. Please ensure that any future communication with me is done in accordance with the FD CPA guidelines. This includes documenting all contact attempts and cease my communication request until proper debt verification has been provided. Thank you for your prompt attention to this matter. I trust that we can resolve this issue in a fair and lawful manner. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Date]

Subject: Louisiana Sample Letter to Debt Collector Re: Fair Debt Collection and Practices Act Greetings, In accordance with the Fair Debt Collection and Practices Act (FD CPA), I am writing this letter to address my concerns and assert my rights regarding a debt that you have claimed I owe. I am a resident of Louisiana and would like to exercise my rights as an informed consumer. Considering the FD CPA protects consumers from potential harassment and ensures fair debt collection practices, I expect your compliance with the following guidelines: 1. Debt Verification Request: Pursuant to Section 809 of the FD CPA, I request that you provide me with written verification of the debt you are attempting to collect. This information should include the origin of the debt, the amount owed, and any supporting documentation proving my liability. 2. Cease and Desist Communication: Per Section 805(c) of the FD CPA, I am hereby exercising my right to request that you cease all communication with me, both written and oral, regarding this debt until proper verification is provided. Any further communication attempts, if made, will be considered a violation of the FD CPA, and I will not hesitate to report such activity to the Federal Trade Commission (FTC) and the Louisiana Attorney General's Office. 3. Prohibited Practices: a. Threats or Coercion: As outlined in Section 806 of the FD CPA, I am aware that any threats or coercion made by you or your agency are strictly prohibited. This includes threats of violence, legal action that cannot be taken, or false representations regarding the debt. b. Deceptive Representations: In compliance with Section 807 of the FD CPA, any misleading or deceptive representations of the debt, its amount, or consequences will also be considered a violation. This includes misrepresenting my rights, the identity of the debt collector, or any incorrect information regarding legal procedures. 4. Validation Period: As per Section 809(b) of the FD CPA, I am aware that you are required to provide me with the requested debt validation within 30 days of receiving this letter. Failure to comply with this timeframe will be grounds for further action. I strongly advise you to review the FD CPA thoroughly, as it encompasses the legal boundaries within which you must operate as a debt collector. Ignoring or violating this law can result in severe penalties, including monetary fines and potential legal action. Please ensure that any future communication with me is done in accordance with the FD CPA guidelines. This includes documenting all contact attempts and cease my communication request until proper debt verification has been provided. Thank you for your prompt attention to this matter. I trust that we can resolve this issue in a fair and lawful manner. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Date]