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."
MECKLENBURG NORTH CAROLINA LETTER INFORMING DEBT COLLECTOR OF FALSE REPRESENTATION OR IMPLICATION THAT THE DEBT COLLECTOR IS AN ATTORNEY OR THAT COMMUNICATION IS FROM AN ATTORNEY Keywords: Mecklenburg North Carolina, debt collector, false representation, misleading misrepresentation, collection activities, attorney, communication, letter Dear [Debt Collector's Name], RE: False Representation or Implication as an Attorney in Collection Activities I hope this letter finds you well. I am writing to address a concerning matter regarding the recent communication I received from your office regarding a debt for which I am being pursued. It has come to my attention that certain false or misleading representations have been made that suggest you are an attorney or that the communication is from an attorney. As a resident of Mecklenburg County, North Carolina, it is important that collection activities adhere strictly to the law. First and foremost, I would like to assert that I am aware of my rights as a debtor and the legal obligations of debt collectors under both federal and state laws, including the Fair Debt Collection Practices Act (FD CPA). It has come to my attention that the communication I received from your office utilized language, phrases, or implications that wrongly led me to believe that the communication originated from an attorney or that you are an attorney. Such practices are known to be in violation of the FD CPA. Upon thorough review of the letter, I noted the following false or misleading representations: 1. False Representation of Attorney Status: The communication deliberately presented false or misleading information that indicated the debt collector is an attorney. This representation is inappropriate and violates the FD CPA. 2. Implication of Legal Authority: The letter contained language or implications that conveyed the impression that the communication is from an attorney or carries legal weight. Such misleading representations are unacceptable as they misinform and confuse the consumer. I must emphasize the importance of compliance with the FD CPA, which explicitly prohibits the use of deceptive or misleading representations in debt collection activities. It is imperative that you take immediate steps to rectify this situation. Failure to do so may result in legal repercussions and a complaint being filed with the appropriate regulatory bodies. In light of the aforementioned violations, I demand the following actions to be promptly taken: 1. Cease and Desist: Immediately cease all false or misleading representations that suggest you are an attorney or imply that any communication is from an attorney. 2. Correction of Misrepresentation: Provide a written acknowledgment within [demand a reasonable timeframe, e.g., 10 business days], explicitly denying any attorney status and apologizing for any misleading representation in the previous communication. 3. Future Compliance: Assure that all future collection activities regarding this debt, or any other debt in my name, will adhere strictly to the FD CPA and other applicable regulations. Please be advised that this letter serves as an official notice of your violation and a record of my complaint regarding your false or misleading representation as an attorney. I expect immediate resolution and compliance with my demands as outlined above. Failure to meet these expectations may result in further legal action being taken. I would like to be kept informed of any actions taken or corrections made regarding this matter. Please provide written confirmation of receipt of this letter as soon as possible. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]MECKLENBURG NORTH CAROLINA LETTER INFORMING DEBT COLLECTOR OF FALSE REPRESENTATION OR IMPLICATION THAT THE DEBT COLLECTOR IS AN ATTORNEY OR THAT COMMUNICATION IS FROM AN ATTORNEY Keywords: Mecklenburg North Carolina, debt collector, false representation, misleading misrepresentation, collection activities, attorney, communication, letter Dear [Debt Collector's Name], RE: False Representation or Implication as an Attorney in Collection Activities I hope this letter finds you well. I am writing to address a concerning matter regarding the recent communication I received from your office regarding a debt for which I am being pursued. It has come to my attention that certain false or misleading representations have been made that suggest you are an attorney or that the communication is from an attorney. As a resident of Mecklenburg County, North Carolina, it is important that collection activities adhere strictly to the law. First and foremost, I would like to assert that I am aware of my rights as a debtor and the legal obligations of debt collectors under both federal and state laws, including the Fair Debt Collection Practices Act (FD CPA). It has come to my attention that the communication I received from your office utilized language, phrases, or implications that wrongly led me to believe that the communication originated from an attorney or that you are an attorney. Such practices are known to be in violation of the FD CPA. Upon thorough review of the letter, I noted the following false or misleading representations: 1. False Representation of Attorney Status: The communication deliberately presented false or misleading information that indicated the debt collector is an attorney. This representation is inappropriate and violates the FD CPA. 2. Implication of Legal Authority: The letter contained language or implications that conveyed the impression that the communication is from an attorney or carries legal weight. Such misleading representations are unacceptable as they misinform and confuse the consumer. I must emphasize the importance of compliance with the FD CPA, which explicitly prohibits the use of deceptive or misleading representations in debt collection activities. It is imperative that you take immediate steps to rectify this situation. Failure to do so may result in legal repercussions and a complaint being filed with the appropriate regulatory bodies. In light of the aforementioned violations, I demand the following actions to be promptly taken: 1. Cease and Desist: Immediately cease all false or misleading representations that suggest you are an attorney or imply that any communication is from an attorney. 2. Correction of Misrepresentation: Provide a written acknowledgment within [demand a reasonable timeframe, e.g., 10 business days], explicitly denying any attorney status and apologizing for any misleading representation in the previous communication. 3. Future Compliance: Assure that all future collection activities regarding this debt, or any other debt in my name, will adhere strictly to the FD CPA and other applicable regulations. Please be advised that this letter serves as an official notice of your violation and a record of my complaint regarding your false or misleading representation as an attorney. I expect immediate resolution and compliance with my demands as outlined above. Failure to meet these expectations may result in further legal action being taken. I would like to be kept informed of any actions taken or corrections made regarding this matter. Please provide written confirmation of receipt of this letter as soon as possible. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
