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."
Title: Maryland Letter Informing Debt Collector of False or Misleading Misrepresentations — False Implication of United States Affiliation Introduction: In Maryland, it is important for consumers to be aware of their rights when dealing with debt collectors. This letter template serves as a formal document to inform debt collectors about false or misleading representations that imply their affiliation with the United States. By raising awareness of such misrepresentations, consumers can protect themselves from potential scams or deceptive practices. Below are different types of Maryland letters utilized to address this issue: 1. Maryland Letter Informing Debt Collector of False or Misleading Misrepresentations — False Representation that the Debt Collector is Vouched for by the United States: Dear [Debt Collector's Name], Subject: False Representation of Being Vouched for by the United States I am writing to express my concern over the false representation made by your agency, implying that you are vouched for by the United States government. This misleading representation creates confusion and violates my rights under the Fair Debt Collection Practices Act (FD CPA) and Maryland state laws. [Elaborate on any specific instances where the debt collector made false claims regarding their affiliation with the United States.] I hereby request that you immediately cease and desist from making any false or misleading representations regarding your affiliation with the United States. Failure to comply with this request may result in legal action and the filing of a formal complaint with relevant authorities. 2. Maryland Letter Informing Debt Collector of False or Misleading Misrepresentations — False Representation or Implication that the Debt Collector is Bonded by the United States: Dear [Debt Collector's Name], Subject: False Representation of Being Bonded by the United States I am writing to bring to your attention the false representation or implication made by your agency, suggesting that you are bonded by the United States government. Such misleading claims violate the Fair Debt Collection Practices Act (FD CPA) and Maryland state laws, which are in place to safeguard consumer rights. [Provide specific examples where the debt collector falsely claimed to be bonded by the United States.] I demand that you cease and desist from making any false or misleading representations implying that your agency is bonded by or affiliated with the United States. Failure to comply with this request will lead me to pursue legal action and prompt the filing of a formal complaint with the appropriate authorities. Conclusion: The provided letter templates enable Maryland consumers to assert their rights by addressing false or misleading misrepresentations made by debt collectors that imply affiliation with the United States. By utilizing these letters, individuals can take appropriate action to put an end to deceptive practices and protect themselves from potential scams or fraudulent activities.Title: Maryland Letter Informing Debt Collector of False or Misleading Misrepresentations — False Implication of United States Affiliation Introduction: In Maryland, it is important for consumers to be aware of their rights when dealing with debt collectors. This letter template serves as a formal document to inform debt collectors about false or misleading representations that imply their affiliation with the United States. By raising awareness of such misrepresentations, consumers can protect themselves from potential scams or deceptive practices. Below are different types of Maryland letters utilized to address this issue: 1. Maryland Letter Informing Debt Collector of False or Misleading Misrepresentations — False Representation that the Debt Collector is Vouched for by the United States: Dear [Debt Collector's Name], Subject: False Representation of Being Vouched for by the United States I am writing to express my concern over the false representation made by your agency, implying that you are vouched for by the United States government. This misleading representation creates confusion and violates my rights under the Fair Debt Collection Practices Act (FD CPA) and Maryland state laws. [Elaborate on any specific instances where the debt collector made false claims regarding their affiliation with the United States.] I hereby request that you immediately cease and desist from making any false or misleading representations regarding your affiliation with the United States. Failure to comply with this request may result in legal action and the filing of a formal complaint with relevant authorities. 2. Maryland Letter Informing Debt Collector of False or Misleading Misrepresentations — False Representation or Implication that the Debt Collector is Bonded by the United States: Dear [Debt Collector's Name], Subject: False Representation of Being Bonded by the United States I am writing to bring to your attention the false representation or implication made by your agency, suggesting that you are bonded by the United States government. Such misleading claims violate the Fair Debt Collection Practices Act (FD CPA) and Maryland state laws, which are in place to safeguard consumer rights. [Provide specific examples where the debt collector falsely claimed to be bonded by the United States.] I demand that you cease and desist from making any false or misleading representations implying that your agency is bonded by or affiliated with the United States. Failure to comply with this request will lead me to pursue legal action and prompt the filing of a formal complaint with the appropriate authorities. Conclusion: The provided letter templates enable Maryland consumers to assert their rights by addressing false or misleading misrepresentations made by debt collectors that imply affiliation with the United States. By utilizing these letters, individuals can take appropriate action to put an end to deceptive practices and protect themselves from potential scams or fraudulent activities.
