Section 807 of the Fair Debt Collection Practices Act (15 USC 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:
"(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney."
Letter Template: Chicago Illinois Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is an Attorney or that Communication is From an Attorney [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Subject: False Representation or Implication as an Attorney in Collection Activities Dear [Debt Collector's Name], I am writing to bring to your attention certain false or misleading misrepresentations that have been conveyed during debt collection activities by your agency. Specifically, it has come to my attention that you have falsely represented yourself as an attorney or communicated in a manner implying that the communication is from an attorney. I would like to remind you that under the Fair Debt Collection Practices Act (FD CPA) and relevant state laws, it is prohibited for debt collectors to misrepresent their identity, level of expertise, or imply that they are associated with a governmental agency, particularly an attorney. The purpose of these laws is to protect consumers from deception and to ensure that debt collection activities are conducted in a fair and honest manner. The false representation or implication as an attorney is unacceptable, and it is important that you cease such misleading practices immediately. I have documented the instances where this misrepresentation has occurred, and I demand these practices to be rectified promptly. Furthermore, I request that you confirm in writing within 30 days of receiving this letter that you have taken the necessary steps to cease this false representation or implication. Failure to comply with this request may result in legal action and reporting your agency's activities to the appropriate regulatory bodies. Remember, it is in the best interest of your agency to abide by the established legal guidelines and ensure transparent and ethical debt collection practices. I expect a written response addressing the actions you have taken to rectify this situation and prevent such misrepresentations from occurring in the future. Also, any information regarding the accuracy of the debt in question should be provided along with any relevant documentation. Thank you for your prompt attention to this matter. I anticipate a timely and satisfactory resolution. Sincerely, [Your Name] Keywords: false representation, misleading misrepresentation, debt collector, attorney, debt collection activities, communication, Fair Debt Collection Practices Act, FD CPA, governmental agency, misrepresentation, legal action, ethical debt collection practices, debtLetter Template: Chicago Illinois Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is an Attorney or that Communication is From an Attorney [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Subject: False Representation or Implication as an Attorney in Collection Activities Dear [Debt Collector's Name], I am writing to bring to your attention certain false or misleading misrepresentations that have been conveyed during debt collection activities by your agency. Specifically, it has come to my attention that you have falsely represented yourself as an attorney or communicated in a manner implying that the communication is from an attorney. I would like to remind you that under the Fair Debt Collection Practices Act (FD CPA) and relevant state laws, it is prohibited for debt collectors to misrepresent their identity, level of expertise, or imply that they are associated with a governmental agency, particularly an attorney. The purpose of these laws is to protect consumers from deception and to ensure that debt collection activities are conducted in a fair and honest manner. The false representation or implication as an attorney is unacceptable, and it is important that you cease such misleading practices immediately. I have documented the instances where this misrepresentation has occurred, and I demand these practices to be rectified promptly. Furthermore, I request that you confirm in writing within 30 days of receiving this letter that you have taken the necessary steps to cease this false representation or implication. Failure to comply with this request may result in legal action and reporting your agency's activities to the appropriate regulatory bodies. Remember, it is in the best interest of your agency to abide by the established legal guidelines and ensure transparent and ethical debt collection practices. I expect a written response addressing the actions you have taken to rectify this situation and prevent such misrepresentations from occurring in the future. Also, any information regarding the accuracy of the debt in question should be provided along with any relevant documentation. Thank you for your prompt attention to this matter. I anticipate a timely and satisfactory resolution. Sincerely, [Your Name] Keywords: false representation, misleading misrepresentation, debt collector, attorney, debt collection activities, communication, Fair Debt Collection Practices Act, FD CPA, governmental agency, misrepresentation, legal action, ethical debt collection practices, debt
