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 . . . ."
Nassau New York 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 Description: The Nassau New York Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities aims to address the issue wherein a debt collector fails to disclose to the debtor that a previous letter requesting information regarding an alleged debt was from a debt collector. This notice serves as a formal complaint against the debt collector for engaging in potentially misleading practices. Keywords: Nassau New York, debt collector, false or misleading misrepresentations, collection activities, subsequent communication, request for information, alleged debt. Types of Nassau New York 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: 1. Initial Failure to Disclose Notice: This notice is sent when the debt collector fails to disclose in the initial communication that the letter requesting information regarding the alleged debt was from a debt collector. It highlights the debtor's right to be informed honestly and transparently about the nature of the communication. 2. Subsequent Communication Failure to Disclose Notice: This notice is sent when the debt collector fails to disclose in subsequent communication that the previous letter requesting information regarding the alleged debt was from a debt collector. It emphasizes the importance of ongoing disclosure to prevent any misleading or deceptive practices. 3. Misleading Misrepresentations Notice: This notice is sent when the debt collector engages in false or misleading representations during collection activities, such as misrepresenting the debt amount, mischaracterizing legal actions, or falsely implying penalties for non-payment. It emphasizes the debtor's right to accurate and truthful information during debt collection efforts. 4. Non-Compliance with Debt Collection Laws Notice: This notice is sent when the debt collector fails to comply with specific debt collection laws, regulations, or guidelines, beyond the failure to disclose as mentioned. It may encompass a broader range of violations, such as harassment, abusive language, or unauthorized contact with third parties, along with the failure to disclose issue. Note: It is essential to consult legal professionals or review specific local regulations and laws to ensure accuracy and compliance when dealing with debt collection practices in Nassau New York.Nassau New York 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 Description: The Nassau New York Second Notice to Debt Collector of False or Misleading Misrepresentations in Collection Activities aims to address the issue wherein a debt collector fails to disclose to the debtor that a previous letter requesting information regarding an alleged debt was from a debt collector. This notice serves as a formal complaint against the debt collector for engaging in potentially misleading practices. Keywords: Nassau New York, debt collector, false or misleading misrepresentations, collection activities, subsequent communication, request for information, alleged debt. Types of Nassau New York 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: 1. Initial Failure to Disclose Notice: This notice is sent when the debt collector fails to disclose in the initial communication that the letter requesting information regarding the alleged debt was from a debt collector. It highlights the debtor's right to be informed honestly and transparently about the nature of the communication. 2. Subsequent Communication Failure to Disclose Notice: This notice is sent when the debt collector fails to disclose in subsequent communication that the previous letter requesting information regarding the alleged debt was from a debt collector. It emphasizes the importance of ongoing disclosure to prevent any misleading or deceptive practices. 3. Misleading Misrepresentations Notice: This notice is sent when the debt collector engages in false or misleading representations during collection activities, such as misrepresenting the debt amount, mischaracterizing legal actions, or falsely implying penalties for non-payment. It emphasizes the debtor's right to accurate and truthful information during debt collection efforts. 4. Non-Compliance with Debt Collection Laws Notice: This notice is sent when the debt collector fails to comply with specific debt collection laws, regulations, or guidelines, beyond the failure to disclose as mentioned. It may encompass a broader range of violations, such as harassment, abusive language, or unauthorized contact with third parties, along with the failure to disclose issue. Note: It is essential to consult legal professionals or review specific local regulations and laws to ensure accuracy and compliance when dealing with debt collection practices in Nassau New York.
