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: Missouri 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: debt collector, false representation, misleading misrepresentation, collection activities, attorney, communication, Missouri, letter, informing, debt, collector, false, misleading, misrepresentations, collection, activities Description: This detailed description will provide information on how to write a letter to inform a debt collector in Missouri about false or misleading misrepresentations in their collection activities. Specifically, it focuses on false representation or implication by the debt collector that they are an attorney or that their communication is from an attorney. The purpose of this letter is to alert the debt collector of their violation and request appropriate corrective action. Missouri law strictly prohibits debt collectors from falsely representing themselves as attorneys or implying that their communication is from an attorney. Such actions can mislead and intimidate consumers. If you have encountered such behavior, it is important to take action and assert your rights. When writing the Missouri Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities, make sure to include the following elements: 1. Recipient Details: Begin the letter by addressing it to the debt collector company or individual responsible for the false representation. Include their name, address, and any other relevant contact details. 2. Personal Information: Provide your complete name, address, phone number, and any other relevant identification details. This will ensure that the debt collector can identify your account accurately. 3. Reference: Clearly state the reference or account number associated with your debt. This will help the debt collector locate your account and understand the context of your complaint. 4. Introductory Paragraph: Start the letter by addressing the debt collector and explaining that the purpose of the letter is to notify them of false or misleading misrepresentations in their collection activities. 5. Details of Misrepresentation: In the main body of the letter, clearly describe the specific false representation or implication made by the debt collector. Include any relevant dates, times, or specific instances where the deception took place. It is important to provide as much detail and evidence as possible. 6. Legal Compliance: Cite the specific Missouri law that prohibits debt collectors from falsely representing themselves as attorneys or implying that their communication is from an attorney. Provide a brief explanation of the law and how the debt collector's actions violate it. 7. Demand for Correction: Clearly state your expectation that the debt collector ceases the false representation immediately. Request confirmation of their corrective actions within a reasonable timeframe, such as ten business days. 8. Documentation Request: Ask the debt collector to provide written confirmation of their compliance with your demand, ensuring that they will no longer engage in false or misleading representations. 9. Concluding Statement: Express your firmness in pursuing legal action if the debt collector fails to correct their actions or respond adequately within the given timeframe. 10. Closing: Sign the letter with your full name and include any additional contact information you wish to provide, such as an email address or alternative phone number. Remember, it is always a good idea to consult with a legal professional to ensure your rights are protected and proper legal language is used in the letter.
