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Sample Letter to Debt Collector Re Fair Debt Collection and Practices...

Philadelphia Pennsylvania Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act

Name: Philadelphia Pennsylvania Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act
Brand: US Legal Forms
Rating: 4.57 (318 reviews)

Category:

Letters - Legal - Collections

State:

Multi-State

County:

Philadelphia

Control #:

US-0493LTR

Format:

Instant download

Description

This form is a sample letter in Word format covering the subject matter of the title of the form.

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How to fill out Philadelphia Pennsylvania Sample Letter To Debt Collector Re Fair Debt Collection And Practices Act?

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FAQ

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.

They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.

The term "debt validation letter" refers to a letter that an individual sends to their creditor or collection agency requesting proof that the debt in question is valid and not outside the statute of limitations for collecting the debt.

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.

I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

The key is to be thorough in your request for debt verification. In your letter, ask for details on: Why the collector thinks you owe the debt: Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract.

According to the above FDCPA Section, Debt Validation is defined as the debt collector contacting the original creditor to affirm the debt amount being requested is correct. It is highly doubtful the debt collector ever contacts the original creditor for any debt validation purposes.

Debt collectors must be truthful The Fair Debt Collection Practices Act states that debt collectors cannot use any false, deceptive or misleading representation to collect the debt. Along with other restrictions, debt collectors cannot misrepresent: The amount of the debt. Whether it's past the statute of limitations.

I am responding to your contact about a debt you are attempting to collect. You contacted me by phone/mail, on date. You identified the debt as any information they gave you about the debt. Please stop all communication with me and with this address about this debt.

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Aside from verification of the debt, I request that you stop communications to me about the debt. Debt collectors use many tactics to collect debts — some are legal, but many are not.Fair Debt Collection Practices Act (i.e. The FDCPA defines a debt collector as any person who regularly collects, or attempts to collect, consumer debts for another person or institution or. Additionally, it highlights laws affecting communications between debt collectors and the debtor or third parties. IMPORTANT: Applying for a scholarship (example: the Tennessee Promise) is not complete once a student portal account has been created. For full functionality of this site it is necessary to enable JavaScript. Here are the instructions how to enable JavaScript in your web browser.

Philadelphia Pennsylvania Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act

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How to fill out Philadelphia Pennsylvania Sample Letter To Debt Collector Re Fair Debt Collection And Practices Act?

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FAQ

What happens when the FDCPA is violated?

What are four practices that collectors are prohibited from doing under the FDCPA?

How do I write a letter of validation?

What is a debt verification letter?

What is the most common violation of the FDCPA?

How do I write a debt validation letter?

How do I write a letter requesting debt validation?

What qualifies as validation of debt?

What is allowed and not allowed according to the Fair Debt Collection Practices Act?

How do I write a letter of response to a debt collector?

Interesting Questions

What is the Fair Debt Collection Practices Act?

What does the Fair Debt Collection Practices Act cover?

Do debt collectors have to follow any rules when collecting debts?

What are some prohibited debt collection practices?

Can debt collectors contact me anytime they want?

Is it legal for debt collectors to harass or threaten me?

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