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 . . . ."
Title: Tarrant Texas Letter Addressing False or Misleading Debt Collection Activities — Failure to Disclose Debt Collection Intent in Initial Communication Introduction: The following is a comprehensive description of the Tarrant Texas letter aimed at informing debt collectors of false or misleading misrepresentations during collection activities. This specific letter highlights the failure to disclose to the debtor in the initial communication that the debt collector was attempting to collect a debt. Such a letter is vital for debtors in Tarrant, Texas, seeking to confront improper debt collection practices. Below are different types of Tarrant Texas letters addressing this issue: 1. Tarrant Texas Letter 1: Basic Informative Letter The first type of Tarrant Texas letter informs the debt collector of the false or misleading misrepresentations made during debt collection activities. This letter highlights the debt collector's failure to disclose their intention to collect a debt in the initial communication with the debtor. It serves as a formal notice alerting the collector of their violation and requests immediate resolution. Keywords: Tarrant Texas, letter, informing, debt collector, false or misleading misrepresentations, collection activities, failure to disclose, initial communication, debt collection, violation, resolution. 2. Tarrant Texas Letter 2: Strongly Worded Warning Letter This type of Tarrant Texas letter emphasizes the debtor's dissatisfaction and disapproval of the debt collector's inadequate disclosure of their collection intentions. It provides a stern warning highlighting the legal consequences of continued misrepresentations and the potential for pursuing legal action if the matter remains unresolved. Keywords: Tarrant Texas, letter, informing, debt collector, false or misleading misrepresentations, collection activities, failure to disclose, initial communication, debt collection, dissatisfaction, disapproval, inadequate disclosure, warning letter, legal consequences, continued misrepresentations, pursuing legal action, unresolved. 3. Tarrant Texas Letter 3: Cease and Desist Letter A Cease and Desist letter is a more formal and legally focused approach. It demands that the debt collector immediately halt all collection activities due to their failure to disclose their debt collection intentions in the initial communication. This type of letter may include reference to relevant state and federal laws that protect debtors from deceptive practices. Keywords: Tarrant Texas, letter, informing, debt collector, false or misleading misrepresentations, collection activities, failure to disclose, initial communication, debt collection, cease and desist, halt, relevant laws, protection, deceptive practices. Conclusion: These are various types of Tarrant Texas letters aimed at addressing the issue of false or misleading misrepresentations by debt collectors. Each letter emphasizes the debt collector's failure to disclose their debt collection intentions in the initial communication and seeks a prompt resolution to rectify the violation. These letters empower debtors in Tarrant, Texas, by reminding debt collectors of their legal obligations while protecting their rights throughout the debt collection process.
