Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 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:
"(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer."
This would include asserting that the debt collector cannot accept partial payments when they have been authorized.
Subject: Cease False or Misleading Collection Practices ─ Debt Collector Misrepresenting Payment Options Dear [Debt Collector's Name/Company], I hope this letter finds you well. I am writing to address some serious concerns regarding collection activities related to the debt associated with [account number]. It has come to my attention that your previous communications have contained false or misleading representations, primarily regarding your acceptance of partial payments. False Representation or Deceptive Means to Collect a Debt: Firstly, I believe it is important to highlight instances where your collection agency misrepresents or employs deceptive means to collect the aforementioned debt. Such practices are not only unlawful but also contradict the Fair Debt Collection Practices Act (FD CPA) regulations. As a resident of Phoenix, Arizona, I am fully aware of the legal rights provided by the state and federal laws to protect consumers from such misleading tactics. Asserting that the Debt Collector Cannot Accept Partial Payments When They Can: One particular issue that has raised concerns is your persistent assertion that partial payments cannot be accepted to resolve the outstanding debt. Contrary to this misleading representation, it is my understanding that your organization does, in fact, have the capability to accept partial payments. Phoenix Arizona Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities: I urge you to promptly rectify this matter and cease any further false representation or deceptive practices in collecting this debt. Failure to comply may result in legal consequences and a formal complaint filed with appropriate regulatory bodies. As a responsible and diligent consumer, I am committed to satisfying my obligations and reaching a mutually beneficial resolution. Accordingly, I hereby request that you provide clear and accurate information regarding the debt, including the total outstanding balance, breakdown of accrued charges, and any applicable interest or penalties. Moreover, I kindly request written confirmation that your organization acknowledges its ability to accept partial payments towards the settlement of the debt. Failure to provide this confirmation will be perceived as an admission of the false or misleading representations previously made. Please be aware that all future communications involving this debt must adhere strictly to the guidelines and regulations set forth by the FD CPA, as well as conform to the state-specific laws set by Arizona governing consumer debt collection practices. I anticipate your prompt response within [insert a reasonable time frame per regulations]. Your cooperation in resolving this matter amicably will be greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: Phoenix Arizona, debt collector, false or misleading misrepresentations, collection activities, false representation, deceptive means, collect a debt, partial payments, Fair Debt Collection Practices Act, FD CPA, consumer rights, legal consequences, complaint, outstanding balance, accrued charges, interest, penalties, written confirmation, adherence to regulations, amicable resolution.Subject: Cease False or Misleading Collection Practices ─ Debt Collector Misrepresenting Payment Options Dear [Debt Collector's Name/Company], I hope this letter finds you well. I am writing to address some serious concerns regarding collection activities related to the debt associated with [account number]. It has come to my attention that your previous communications have contained false or misleading representations, primarily regarding your acceptance of partial payments. False Representation or Deceptive Means to Collect a Debt: Firstly, I believe it is important to highlight instances where your collection agency misrepresents or employs deceptive means to collect the aforementioned debt. Such practices are not only unlawful but also contradict the Fair Debt Collection Practices Act (FD CPA) regulations. As a resident of Phoenix, Arizona, I am fully aware of the legal rights provided by the state and federal laws to protect consumers from such misleading tactics. Asserting that the Debt Collector Cannot Accept Partial Payments When They Can: One particular issue that has raised concerns is your persistent assertion that partial payments cannot be accepted to resolve the outstanding debt. Contrary to this misleading representation, it is my understanding that your organization does, in fact, have the capability to accept partial payments. Phoenix Arizona Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities: I urge you to promptly rectify this matter and cease any further false representation or deceptive practices in collecting this debt. Failure to comply may result in legal consequences and a formal complaint filed with appropriate regulatory bodies. As a responsible and diligent consumer, I am committed to satisfying my obligations and reaching a mutually beneficial resolution. Accordingly, I hereby request that you provide clear and accurate information regarding the debt, including the total outstanding balance, breakdown of accrued charges, and any applicable interest or penalties. Moreover, I kindly request written confirmation that your organization acknowledges its ability to accept partial payments towards the settlement of the debt. Failure to provide this confirmation will be perceived as an admission of the false or misleading representations previously made. Please be aware that all future communications involving this debt must adhere strictly to the guidelines and regulations set forth by the FD CPA, as well as conform to the state-specific laws set by Arizona governing consumer debt collection practices. I anticipate your prompt response within [insert a reasonable time frame per regulations]. Your cooperation in resolving this matter amicably will be greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: Phoenix Arizona, debt collector, false or misleading misrepresentations, collection activities, false representation, deceptive means, collect a debt, partial payments, Fair Debt Collection Practices Act, FD CPA, consumer rights, legal consequences, complaint, outstanding balance, accrued charges, interest, penalties, written confirmation, adherence to regulations, amicable resolution.
