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: New Hampshire Letter Informing Debt Collector of False Representation Regarding Affiliation with the United States Introduction: The following letter template provides a detailed description of the situation when a debt collector falsely represents or implies an affiliation with the United States government. This type of misrepresentation can mislead and confuse consumers, and it is crucial to address such deceptive activities promptly. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector’s Name] [Debt Collector’s Address] [City, State, ZIP] Subject: False Representation or Implication of Affiliation with the United States Government Dear [Debt Collector's Name], I am writing to formally address a matter that has come to my attention regarding the collection activities conducted by your agency. It has recently come to light that your debt collection efforts involve false representations or implications that your agency is vouched for, bonded by, or affiliated with the United States government, which is a clear violation of federal and state consumer protection laws. Upon a thorough review of the collection correspondence and calls received from your representatives, I have noticed multiple instances where false representations of an affiliation with the United States government have been made. Such misleading tactics may mislead consumers into thinking that their financial obligations have been endorsed or guaranteed by a governmental entity, causing significant confusion and distress. Under the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from engaging in any conduct that misrepresents their affiliation with governmental organizations. Additionally, New Hampshire state law extends the protections provided by the FD CPA, making such misrepresentations illegal and subject to potential legal action. I hereby demand that you immediately cease and desist from any further misrepresentations or implications of affiliation with the United States government in all current and future collection activities involving my account. Failure to comply with this request may result in serious consequences, including legal action to enforce my rights under federal and state laws. In addition to terminating these misleading practices, I request that you provide, within 15 business days from the date of this letter, a written acknowledgment of your receipt of this letter, along with a written confirmation that you have ceased all false representations of connection with the United States government in relation to my account. Furthermore, I request that you provide any and all documentation or evidence illustrating your compliance with this demand, including amended collection notices or statements that omit any false representation of affiliation with the United States government, in order to rectify the harm inflicted by your previous communications. Please be aware that this letter is not intended to dispute the validity of the debt itself but solely addresses the prohibited false representation of affiliation. Any further collection activity that does not adhere to the guidelines set forth in this letter will be deemed in violation of federal and state consumer protection laws and will be reported to the appropriate authorities. I expect your prompt attention to this matter and anticipate a timely response. Failure to comply may result in the initiation of legal proceedings against your agency. Sincerely, [Your Name]Title: New Hampshire Letter Informing Debt Collector of False Representation Regarding Affiliation with the United States Introduction: The following letter template provides a detailed description of the situation when a debt collector falsely represents or implies an affiliation with the United States government. This type of misrepresentation can mislead and confuse consumers, and it is crucial to address such deceptive activities promptly. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector’s Name] [Debt Collector’s Address] [City, State, ZIP] Subject: False Representation or Implication of Affiliation with the United States Government Dear [Debt Collector's Name], I am writing to formally address a matter that has come to my attention regarding the collection activities conducted by your agency. It has recently come to light that your debt collection efforts involve false representations or implications that your agency is vouched for, bonded by, or affiliated with the United States government, which is a clear violation of federal and state consumer protection laws. Upon a thorough review of the collection correspondence and calls received from your representatives, I have noticed multiple instances where false representations of an affiliation with the United States government have been made. Such misleading tactics may mislead consumers into thinking that their financial obligations have been endorsed or guaranteed by a governmental entity, causing significant confusion and distress. Under the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from engaging in any conduct that misrepresents their affiliation with governmental organizations. Additionally, New Hampshire state law extends the protections provided by the FD CPA, making such misrepresentations illegal and subject to potential legal action. I hereby demand that you immediately cease and desist from any further misrepresentations or implications of affiliation with the United States government in all current and future collection activities involving my account. Failure to comply with this request may result in serious consequences, including legal action to enforce my rights under federal and state laws. In addition to terminating these misleading practices, I request that you provide, within 15 business days from the date of this letter, a written acknowledgment of your receipt of this letter, along with a written confirmation that you have ceased all false representations of connection with the United States government in relation to my account. Furthermore, I request that you provide any and all documentation or evidence illustrating your compliance with this demand, including amended collection notices or statements that omit any false representation of affiliation with the United States government, in order to rectify the harm inflicted by your previous communications. Please be aware that this letter is not intended to dispute the validity of the debt itself but solely addresses the prohibited false representation of affiliation. Any further collection activity that does not adhere to the guidelines set forth in this letter will be deemed in violation of federal and state consumer protection laws and will be reported to the appropriate authorities. I expect your prompt attention to this matter and anticipate a timely response. Failure to comply may result in the initiation of legal proceedings against your agency. Sincerely, [Your Name]
