When must you send a written notice of debt to consumers after your initial contact with the consumer?

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.

How do I respond to a collection notice?

Ask CFPBWho you're talking to (get the person's name)The name of the debt collection company they work for.The company's address and phone number.The name of the original creditor.The amount owed.How you can dispute the debt or ensure that the debt is yours.

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Notice to Debt Collector - Causing a Consumer to Incur Charges for...

Oregon Notice to Debt Collector - Causing a Consumer to Incur Charges for Communications by Concealing the Purpose of the Communication

Name: Oregon Notice to Debt Collector - Causing a Consumer to Incur Charges for Communications by Concealing the Purpose of the Communication
Brand: US Legal Forms
Rating: 4.73 (278 reviews)

Category:

Collections - Fair Debt Practices Act

State:

Multi-State

Control #:

US-DCPA-44

Format:

Instant download

Description

Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.

A debt collector may not use unfair or unconscionable means to collect a debt. This includes causing a person to incur charges for communications by concealing the true propose of the communication.

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How to fill out Oregon Notice To Debt Collector - Causing A Consumer To Incur Charges For Communications By Concealing The Purpose Of The Communication?

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It is well known that a debt collector is only entitled to charge fees that are prescribed by the Debt Collectors Act. The debt collector, and the creditor for that matter, has no discretion whatsoever as to whether they may charge anything else besides the prescribed fees.

If a debt collector violates the FDCPA, you may sue that collector in state or federal court. You can even sue in small claims court. You must do this within one year from the date on which the violation occurred.

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.

If, within the 30-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original

Once you dispute the debt, the debt collector must stop all debt collection activities until it sends you verification of the debt. You can also use the sample dispute letter to discover the name and address of the original creditor. As with all dispute letters, you should keep a copy of the letter for your records.

The definition of debt collection harassment is to intimidate, abuse, coerce, bully or browbeat consumers into paying off debt. This happens most often over the phone, but harassment could come in the form of emails, texts, direct mail or talking to friends or neighbors about your debt.

No harassment The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language.

If the FDCPA is violated, the debtor can sue the debt collection company as well as the individual debt collector for damages and attorney fees.

Ask CFPBWho you're talking to (get the person's name)The name of the debt collection company they work for.The company's address and phone number.The name of the original creditor.The amount owed.How you can dispute the debt or ensure that the debt is yours.

More info

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Oregon Notice to Debt Collector - Causing a Consumer to Incur Charges for Communications by Concealing the Purpose of the Communication

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Can a debt collector charge collection fees?

What happens when the FDCPA is violated?

When must you send a written notice of debt to consumers after your initial contact with the consumer?

What must a debt collector must do when they receive written notice that the consumer disputes the debt or a portion of the debt within the validation period?

When a consumer disputes a debt the debt collector must?

What is debt collection harassment?

What actions by a debt collector are considered harassment?

Which action may a debtor take if a debt collector violates the law?

How do I respond to a collection notice?

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