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."
Subject: False or Misleading Misrepresentations — Debt Collector Impersonating an Attorney in Phoenix, Arizona Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to inform you of false or misleading misrepresentations made by your collection agency in relation to an alleged debt that you claim I owe. It has come to my attention that your agency, either directly or implicitly, has falsely represented itself as an attorney or has created an impression that the communication received by me is from an attorney, which is a clear violation of federal and state laws. As a resident of Phoenix, Arizona, I am aware of the legal protections provided to consumers against deceptive or unfair debt collection practices. With reference to the Fair Debt Collection Practices Act (FD CPA) and the Arizona Revised Statutes (AS), I profoundly reject any false representation or implication that you or your agency are licensed to practice law, or that any correspondence received from you bears the official mark of an attorney. It is essential for you to understand that such false representations are not only illegal but unethical as well. I emphasize that your collection agency's actions are causing unnecessary distress, confusion, and imply legal consequences that may mislead an ordinary consumer. These misrepresentations undermine the integrity of the debt collection process and violate the rights I am entitled to as a debtor. I firmly request that you cease any further false representation that your agency is associated with legal counsel, or that any correspondence received from your agency implies the input of an attorney. Please ensure that all future communications accurately reflect the true nature of your business relationship and comply fully with the FD CPA and AS guidelines. Furthermore, I kindly request that you promptly provide me with written confirmation of the following actions: 1. Cease any further false representation or impression that your agency is affiliated with legal counsel or implies any legal involvement. 2. Remove any misleading statements or implications from my credit reports, if such misrepresentations have been reported. 3. Disclose all previous instances where you or your agency have engaged in false or misleading representations pertaining to being an attorney or implying legal communication. I must stress the importance of immediate compliance in order to avoid further legal action. Failure to address these concerns appropriately may result in lodging a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Arizona Attorney General's Office, and the Federal Trade Commission (FTC). Moreover, I retain my rights to pursue legal action against your agency for violations of federal and state laws. I expect your prompt attention and a written response within 30 days of receiving this letter. Your reply should include all requested confirmation and actions taken to address this matter. Additionally, please be advised that all further communications should be made in writing and directed solely to my mailing address mentioned below as per my preference. Thank you for your immediate attention to this matter. I hope we can resolve this issue amicably and without incurring further legal recourse. I trust that you will take the necessary steps to rectify this situation promptly. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]Subject: False or Misleading Misrepresentations — Debt Collector Impersonating an Attorney in Phoenix, Arizona Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to inform you of false or misleading misrepresentations made by your collection agency in relation to an alleged debt that you claim I owe. It has come to my attention that your agency, either directly or implicitly, has falsely represented itself as an attorney or has created an impression that the communication received by me is from an attorney, which is a clear violation of federal and state laws. As a resident of Phoenix, Arizona, I am aware of the legal protections provided to consumers against deceptive or unfair debt collection practices. With reference to the Fair Debt Collection Practices Act (FD CPA) and the Arizona Revised Statutes (AS), I profoundly reject any false representation or implication that you or your agency are licensed to practice law, or that any correspondence received from you bears the official mark of an attorney. It is essential for you to understand that such false representations are not only illegal but unethical as well. I emphasize that your collection agency's actions are causing unnecessary distress, confusion, and imply legal consequences that may mislead an ordinary consumer. These misrepresentations undermine the integrity of the debt collection process and violate the rights I am entitled to as a debtor. I firmly request that you cease any further false representation that your agency is associated with legal counsel, or that any correspondence received from your agency implies the input of an attorney. Please ensure that all future communications accurately reflect the true nature of your business relationship and comply fully with the FD CPA and AS guidelines. Furthermore, I kindly request that you promptly provide me with written confirmation of the following actions: 1. Cease any further false representation or impression that your agency is affiliated with legal counsel or implies any legal involvement. 2. Remove any misleading statements or implications from my credit reports, if such misrepresentations have been reported. 3. Disclose all previous instances where you or your agency have engaged in false or misleading representations pertaining to being an attorney or implying legal communication. I must stress the importance of immediate compliance in order to avoid further legal action. Failure to address these concerns appropriately may result in lodging a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Arizona Attorney General's Office, and the Federal Trade Commission (FTC). Moreover, I retain my rights to pursue legal action against your agency for violations of federal and state laws. I expect your prompt attention and a written response within 30 days of receiving this letter. Your reply should include all requested confirmation and actions taken to address this matter. Additionally, please be advised that all further communications should be made in writing and directed solely to my mailing address mentioned below as per my preference. Thank you for your immediate attention to this matter. I hope we can resolve this issue amicably and without incurring further legal recourse. I trust that you will take the necessary steps to rectify this situation promptly. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
