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, and the failure to disclose in subsequent communications that the communication is from a debt collector . . . ."
Allegheny Pennsylvania Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities — Failure to Disclose to Debtor in Subsequent Communication that Letter Requesting Information Regarding Alleged Debt was from a Debt Collector — Detailed Description In Allegheny County, Pennsylvania, debtors have specific rights when dealing with debt collectors who engage in false or misleading tactics during the collection process. The Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities addresses the failure of the debt collector to disclose the true identity of the sender and the purpose of the initial communication as being from a debt collector. This notice serves as a formal complaint against the debt collector for their violation of the Fair Debt Collection Practices Act (FD CPA) and the Pennsylvania Fair Credit Extension Uniformity Act (FEUD). Debtors who receive a letter requesting information regarding an alleged debt, but without the explicit disclosure that the letter was from a debt collector, can use this notice to address the violation and seek appropriate remedies. The Second Notice to Debt Collector should be sent by certified mail, return receipt requested, to ensure proof of delivery. It is crucial to include specific details and information in the notice to strengthen the complaint. Relevant keywords to include in the notice are: 1. Allegheny County: Refers to the specific county in Pennsylvania where the debtor resides, indicating jurisdiction and local application of the laws. 2. Debt Collector: A professional entity or individual engaged in the business of collecting debts owed to others, who is subject to regulations under the FD CPA and state laws. 3. False or Misleading Misrepresentations: Describes the actions taken by the debt collector that are deceptive, inaccurate, or misleading concerning the debt, the sender's identity, or the purpose of the communication. 4. Collection Activities: Encompasses all actions undertaken by the debt collector during the debt collection process, including communication via mail, phone calls, and other means. 5. Failure to Disclose: Highlights the debt collector's omission or failure to provide the required information to the debtor in subsequent communications following the initial letter requesting information regarding the alleged debt. The purpose of this notice is to inform the debt collector of their violation and provide them an opportunity to rectify their actions. If the debt collector fails to respond appropriately or continues to engage in false or misleading collection activities, the debtor may pursue legal remedies available under state and federal laws. It is important to note that while this Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities addresses a specific type of debt collection violation, there may not be different types of this particular notice. However, debtors may encounter various other violations by debt collectors, each having their own specific notices or processes to address them, as outlined by the FD CPA and local regulations.Allegheny Pennsylvania Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities — Failure to Disclose to Debtor in Subsequent Communication that Letter Requesting Information Regarding Alleged Debt was from a Debt Collector — Detailed Description In Allegheny County, Pennsylvania, debtors have specific rights when dealing with debt collectors who engage in false or misleading tactics during the collection process. The Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities addresses the failure of the debt collector to disclose the true identity of the sender and the purpose of the initial communication as being from a debt collector. This notice serves as a formal complaint against the debt collector for their violation of the Fair Debt Collection Practices Act (FD CPA) and the Pennsylvania Fair Credit Extension Uniformity Act (FEUD). Debtors who receive a letter requesting information regarding an alleged debt, but without the explicit disclosure that the letter was from a debt collector, can use this notice to address the violation and seek appropriate remedies. The Second Notice to Debt Collector should be sent by certified mail, return receipt requested, to ensure proof of delivery. It is crucial to include specific details and information in the notice to strengthen the complaint. Relevant keywords to include in the notice are: 1. Allegheny County: Refers to the specific county in Pennsylvania where the debtor resides, indicating jurisdiction and local application of the laws. 2. Debt Collector: A professional entity or individual engaged in the business of collecting debts owed to others, who is subject to regulations under the FD CPA and state laws. 3. False or Misleading Misrepresentations: Describes the actions taken by the debt collector that are deceptive, inaccurate, or misleading concerning the debt, the sender's identity, or the purpose of the communication. 4. Collection Activities: Encompasses all actions undertaken by the debt collector during the debt collection process, including communication via mail, phone calls, and other means. 5. Failure to Disclose: Highlights the debt collector's omission or failure to provide the required information to the debtor in subsequent communications following the initial letter requesting information regarding the alleged debt. The purpose of this notice is to inform the debt collector of their violation and provide them an opportunity to rectify their actions. If the debt collector fails to respond appropriately or continues to engage in false or misleading collection activities, the debtor may pursue legal remedies available under state and federal laws. It is important to note that while this Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities addresses a specific type of debt collection violation, there may not be different types of this particular notice. However, debtors may encounter various other violations by debt collectors, each having their own specific notices or processes to address them, as outlined by the FD CPA and local regulations.
