Oregon Sample Letter for Notice Under Fair Debt Collection Act

State:
Multi-State
Control #:
US-0737LTR
Format:
Word; 
Rich Text
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This form is a sample letter in Word format covering the subject matter of the title of the form.

Oregon Sample Letter for Notice Under Fair Debt Collection Act Dear [Debt Collector's Name], RE: [Your Name] — Account Number: [Account Number] I am writing to formally notify you under the Fair Debt Collection Practices Act (FD CPA), specifically under the Oregon collection laws, regarding the debt that you are attempting to collect from me. I request that you immediately cease all communication related to this debt, pursuant to my rights under federal and state law. I have reviewed my rights and responsibilities outlined in the FD CPA and understand that I have the right to dispute the validity of this debt within 30 days of receiving this notice. Furthermore, I am taking this opportunity to exercise that right. Therefore, I request that you provide me with the following information: 1. Verification of the debt — Please provide me with written documentation that clearly substantiates the amount owed. This should include the original creditor's name and contact information, the original debt amount, and any itemized transactions or charges that contribute to the current amount being sought. 2. Proof of your authority — Please provide evidence that you are legally authorized to collect this debt on behalf of the creditor. This should include a copy of the agreement or contract that grants you the power to act as the debt collector. 3. Provide contact details — Please provide your full contact information, including your mailing address and a valid phone number. This is necessary to ensure proper communication as I exercise my rights under the FD CPA. Failure to comply with this request within the allowed time frame will be considered a violation of my rights under federal and state law. Any further communication from your agency regarding this debt will be deemed harassment and I will not hesitate to take legal action to protect my rights. Additionally, I would like to remind you that collecting any amount in excess of what is legally owed, or through unfair or deceptive methods, is against the law. I expect your agency to conduct all collection activities in accordance with the FD CPA and relevant Oregon collection laws. Please note that this letter does not constitute an acknowledgment of the debt, nor does it waive any rights I may have in responding to any legal actions. I reserve the right to seek legal advice for further assistance in protecting my rights. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]

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FAQ

Collectors are required by Fair Debt Collection Practices Act (FDCPA) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes: The amount owed.

Under the current version of the FDCPA, when trying to collect a debt, a collection agency must give consumers specific information in its first communication, which is generally called a "debt validation notice," including: the amount of the debt. the name of the creditor to whom the debt is currently owed.

What do you include in a debt collection letter? The amount the debtor owes you, including any interest (attach the original invoice as well); The initial date of payment and the new date of payment; Clear instructions on how to pay the outstanding debt (banking details, etc);

The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.

If you receive a notice from a debt collector, it's important to respond as soon as possible?even if you do not owe the debt?because otherwise the collector may continue trying to collect the debt, report negative information to credit reporting companies, and even sue you.

Within five days after a debt collector first contacts you, it must send you a written notice, called a "validation notice," that tells you (1) the amount it thinks you owe, (2) the name of the creditor, and (3) how to dispute the debt in writing.

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.

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Dec 1, 2022 — I am writing to inform you of your legal notice under the Federal Fair Debt Collection Practices Act (FDCPA) that I refuse to pay this debt. Send this letter as soon as you can -- if at all possible, within 30 days of when a debt collector contacts you the first time about a debt. This is important ...Jul 18, 2007 — 2. The full name and mailing address of the original creditor for this alleged debt;; 3. Documentation showing you have verified that I am ... A debt validation letter is a letter that debt collectors must provide that includes information about the size of your debt, when to pay it, and how to ... A demand letter is an official notice ... Under the Fair Debt Collection Practices Act, the creditor may only be able to request payment for documentation on file ... Write a letter to the debt collector and make a copy of the letter (see PG. 702 below for a sample letter). Send the original by certified mail, and pay for a “ ... Sep 19, 2023 — A cease and desist letter is a formal written request that you send a debt collector telling them to stop contacting you about a debt. How to fill out Fair Debt Collection Practices Act Lawsuit? Use US Legal Forms to obtain a printable Sample Letter for Notice Under Fair Debt Collection Act. Sep 14, 2023 — A debt verification letter is a letter you write to a debt collector to dispute a debt or ask for more information about the debt. You typically ... SAMPLE LETTER 5 – Tenant 30-day Notice of Intent to Vacate. This is a sample letter to send your landlord when you want to end a month-to-month rental agreement ...

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Oregon Sample Letter for Notice Under Fair Debt Collection Act