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: Puerto Rico Letter Addressing False or Misleading Debt Collection Practices by Impersonating Attorneys Content: [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: False Representation Implying Debt Collector as an Attorney or Communication From an Attorney — Notice of Misleading Collection Activities Dear [Debt Collector's Name], I am writing to express my concerns regarding your recent debt collection activities and the false representation or implication that you or your communication is from an attorney. As per the Puerto Rico consumer protection laws, it is crucial that debt collectors adhere to accurate and transparent practices while communicating with consumers. Upon reviewing your recent correspondence, I have noticed misleading statements that falsely imply that you are an attorney, or that your communication represents legal advice or actions. This is a clear violation of the Puerto Rico debt collection laws, specifically [mention relevant legislation, if applicable, e.g., the Puerto Rico Consumer Protection Act or the Fair Debt Collection Practices Act (FD CPA)]. It is imperative to clarify that if you are not an attorney, your collection activities should not give the impression that you are acting as one. Misleading consumers by implying a legal authority or misrepresenting the source of communication can cause undue stress and confusion, potentially leading to unnecessary financial hardships. I kindly request that you review your collection practices and cease any false representation, whether through written communication or verbal engagement, that includes references to being an attorney, legal proceedings, or any other misleading statements about your role or authority. I emphasize that your actions should always be in compliance with the applicable laws and regulations. Furthermore, I expect confirmation in writing within [mention a reasonable timeframe, e.g., 14 days from the receipt of this letter] that you have taken appropriate steps to rectify these misleading representations and will refrain from such practices in the future. Failure to do so may result in legal action, including reporting your activities to relevant consumer protection agencies and seeking legal remedies available under the law. Please acknowledge receipt of this letter and your intentions regarding the necessary corrective actions by returning a dated copy of this letter within [mention a reasonable timeframe, e.g., 10 days from the receipt of this letter]. You may send your response to the address mentioned above. Your prompt attention to this matter is appreciated. I trust that we can resolve this issue amicably and ensure fair and transparent debt collection practices in accordance with the Puerto Rico laws. Thank you for your understanding and cooperation. Sincerely, [Your Name]
Title: Puerto Rico Letter Addressing False or Misleading Debt Collection Practices by Impersonating Attorneys Content: [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: False Representation Implying Debt Collector as an Attorney or Communication From an Attorney — Notice of Misleading Collection Activities Dear [Debt Collector's Name], I am writing to express my concerns regarding your recent debt collection activities and the false representation or implication that you or your communication is from an attorney. As per the Puerto Rico consumer protection laws, it is crucial that debt collectors adhere to accurate and transparent practices while communicating with consumers. Upon reviewing your recent correspondence, I have noticed misleading statements that falsely imply that you are an attorney, or that your communication represents legal advice or actions. This is a clear violation of the Puerto Rico debt collection laws, specifically [mention relevant legislation, if applicable, e.g., the Puerto Rico Consumer Protection Act or the Fair Debt Collection Practices Act (FD CPA)]. It is imperative to clarify that if you are not an attorney, your collection activities should not give the impression that you are acting as one. Misleading consumers by implying a legal authority or misrepresenting the source of communication can cause undue stress and confusion, potentially leading to unnecessary financial hardships. I kindly request that you review your collection practices and cease any false representation, whether through written communication or verbal engagement, that includes references to being an attorney, legal proceedings, or any other misleading statements about your role or authority. I emphasize that your actions should always be in compliance with the applicable laws and regulations. Furthermore, I expect confirmation in writing within [mention a reasonable timeframe, e.g., 14 days from the receipt of this letter] that you have taken appropriate steps to rectify these misleading representations and will refrain from such practices in the future. Failure to do so may result in legal action, including reporting your activities to relevant consumer protection agencies and seeking legal remedies available under the law. Please acknowledge receipt of this letter and your intentions regarding the necessary corrective actions by returning a dated copy of this letter within [mention a reasonable timeframe, e.g., 10 days from the receipt of this letter]. You may send your response to the address mentioned above. Your prompt attention to this matter is appreciated. I trust that we can resolve this issue amicably and ensure fair and transparent debt collection practices in accordance with the Puerto Rico laws. Thank you for your understanding and cooperation. Sincerely, [Your Name]
