Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 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:
"11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose . . . ."
Subject: Official Notice: Reporting False or Misleading Collection Practices — Failure to Disclose Debt Collection Intent Dear [Debt Collector's Name], I hope this correspondence finds you well. I am writing to address a matter of significant concern pertaining to your recent collection activities involving a debt allegedly owed by me. It has come to my attention that there have been false or misleading misrepresentations made during your collection process, particularly through the failure to disclose, in your initial communication, that you were attempting to collect a debt. As a responsible consumer, it is within my rights to be provided with accurate and transparent information regarding any debt collection activities directed towards me. The failure to clearly disclose your intent to collect a debt undermines my ability to make informed decisions and protect my consumer rights. In light of the aforementioned issues, I kindly request that you promptly rectify this situation and take the necessary actions to ensure compliance with applicable debt collection regulations and guidelines. Failure to do so may lead to potential legal consequences as well as detriment to your professional reputation. Furthermore, it is essential to note that under the Fair Debt Collection Practices Act (FD CPA), any false, deceptive, or misleading representations made by debt collectors are strictly prohibited. It is incumbent upon debt collectors to exercise due diligence in providing accurate information during all stages of the collection process. I strongly urge you to: 1. Cease all collection activities until the required disclosures have been provided to me in accordance with the FD CPA. 2. Provide me with written confirmation that the necessary steps have been taken to rectify this issue and ensure compliance with the pertinent regulations. 3. Clearly disclose, in any future communications, your intent to collect a debt as mandated by law. 4. Refrain from any future misleading or deceptive practices that can potentially violate my consumer rights. Should you require any additional information, I kindly request that you contact me directly via the address or telephone number provided below. Please consider this notice as an opportunity to rectify any potential violations and prevent any further legal actions. Rest assured, I am prepared to fully exercise my rights and pursue legal remedies if this matter is not promptly and appropriately resolved. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Keywords: Phoenix Arizona, letter, informing, debt collector, false representations, misleading representations, misrepresentations, collection activities, failure to disclose, initial communication, attempting to collect a debt.Subject: Official Notice: Reporting False or Misleading Collection Practices — Failure to Disclose Debt Collection Intent Dear [Debt Collector's Name], I hope this correspondence finds you well. I am writing to address a matter of significant concern pertaining to your recent collection activities involving a debt allegedly owed by me. It has come to my attention that there have been false or misleading misrepresentations made during your collection process, particularly through the failure to disclose, in your initial communication, that you were attempting to collect a debt. As a responsible consumer, it is within my rights to be provided with accurate and transparent information regarding any debt collection activities directed towards me. The failure to clearly disclose your intent to collect a debt undermines my ability to make informed decisions and protect my consumer rights. In light of the aforementioned issues, I kindly request that you promptly rectify this situation and take the necessary actions to ensure compliance with applicable debt collection regulations and guidelines. Failure to do so may lead to potential legal consequences as well as detriment to your professional reputation. Furthermore, it is essential to note that under the Fair Debt Collection Practices Act (FD CPA), any false, deceptive, or misleading representations made by debt collectors are strictly prohibited. It is incumbent upon debt collectors to exercise due diligence in providing accurate information during all stages of the collection process. I strongly urge you to: 1. Cease all collection activities until the required disclosures have been provided to me in accordance with the FD CPA. 2. Provide me with written confirmation that the necessary steps have been taken to rectify this issue and ensure compliance with the pertinent regulations. 3. Clearly disclose, in any future communications, your intent to collect a debt as mandated by law. 4. Refrain from any future misleading or deceptive practices that can potentially violate my consumer rights. Should you require any additional information, I kindly request that you contact me directly via the address or telephone number provided below. Please consider this notice as an opportunity to rectify any potential violations and prevent any further legal actions. Rest assured, I am prepared to fully exercise my rights and pursue legal remedies if this matter is not promptly and appropriately resolved. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Keywords: Phoenix Arizona, letter, informing, debt collector, false representations, misleading representations, misrepresentations, collection activities, failure to disclose, initial communication, attempting to collect a debt.
