Cuyahoga Ohio Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act

• Category: Letters - Legal - Collections
• State: Multi-State
• County: Cuyahoga
• Control #: US-0493LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Dear [Debt Collector's Name], I am writing to you in reference to a debt that has been reported on my credit report. I have recently become aware of the Fair Debt Collection Practices Act (FD CPA), a federal law enacted to protect consumers, such as myself, from unfair and deceptive debt collection practices. As a resident of Cuyahoga County, Ohio, I want to ensure that my rights under the FD CPA are fully respected and adhered to. Cuyahoga County, located in the state of Ohio, is known for its diverse population and thriving communities, including Cleveland, the county seat. First and foremost, I would like to request validation of this debt, as outlined in Section 809(b) of the FD CPA. This means that I am requesting you to provide me with the following information: 1. The details of the original creditor, including their contact information and the original account number. 2. A complete and itemized breakdown of the debt, including any interest or fees incurred. 3. Proof that you are authorized to collect this debt and that it is not outside the statute of limitations. Furthermore, I would like to bring to your attention several key provisions of the FD CPA that you must adhere to when communicating with me: 1. Section 805(b) prohibits third-party disclosures. Therefore, any communications regarding this debt should only be made directly with me unless I have provided written consent to involve another party. 2. Section 805(c) states that I have the right to request that all communications regarding this debt cease. I am exercising this right now and request that you cease all communication with me, except for providing the requested debt validation information. 3. Section 806(2)(A) prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes misrepresenting the amount owed, falsely threatening legal action, or in any way harassing or abusing me. It is important for you to understand that any violations of the FD CPA may result in legal action being taken against your agency. The FD CPA allows for actual damages, statutory damages of up to $1,000, and recovery of attorney's fees and court costs. I hope it does not come to that and that we can resolve this debt in a fair and mutually acceptable manner. Please consider this letter as my formal written request and take immediate action to provide the requested debt validation information. Failure to do so within 30 days of your receipt of this letter will be considered a violation of the FD CPA, and I will have no choice but to take the necessary legal steps to protect my rights. Thank you for your attention to this matter. I expect a prompt and timely response from your agency. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number]

Dear [Debt Collector's Name], I am writing to you in reference to a debt that has been reported on my credit report. I have recently become aware of the Fair Debt Collection Practices Act (FD CPA), a federal law enacted to protect consumers, such as myself, from unfair and deceptive debt collection practices. As a resident of Cuyahoga County, Ohio, I want to ensure that my rights under the FD CPA are fully respected and adhered to. Cuyahoga County, located in the state of Ohio, is known for its diverse population and thriving communities, including Cleveland, the county seat. First and foremost, I would like to request validation of this debt, as outlined in Section 809(b) of the FD CPA. This means that I am requesting you to provide me with the following information: 1. The details of the original creditor, including their contact information and the original account number. 2. A complete and itemized breakdown of the debt, including any interest or fees incurred. 3. Proof that you are authorized to collect this debt and that it is not outside the statute of limitations. Furthermore, I would like to bring to your attention several key provisions of the FD CPA that you must adhere to when communicating with me: 1. Section 805(b) prohibits third-party disclosures. Therefore, any communications regarding this debt should only be made directly with me unless I have provided written consent to involve another party. 2. Section 805(c) states that I have the right to request that all communications regarding this debt cease. I am exercising this right now and request that you cease all communication with me, except for providing the requested debt validation information. 3. Section 806(2)(A) prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes misrepresenting the amount owed, falsely threatening legal action, or in any way harassing or abusing me. It is important for you to understand that any violations of the FD CPA may result in legal action being taken against your agency. The FD CPA allows for actual damages, statutory damages of up to $1,000, and recovery of attorney's fees and court costs. I hope it does not come to that and that we can resolve this debt in a fair and mutually acceptable manner. Please consider this letter as my formal written request and take immediate action to provide the requested debt validation information. Failure to do so within 30 days of your receipt of this letter will be considered a violation of the FD CPA, and I will have no choice but to take the necessary legal steps to protect my rights. Thank you for your attention to this matter. I expect a prompt and timely response from your agency. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number]