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."
Queens New York 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: Dear [Debt Collector's Name], I am writing to express my concern and disappointment regarding your recent collection activities pertaining to the debt allegedly owed by [Your Name]. It has come to my attention that your communication has falsely represented or implied that you are an attorney, or that your communication is from an attorney. As per the Fair Debt Collection Practices Act (FD CPA) and the laws of the state of New York, it is strictly prohibited for a debt collector to engage in any false, deceptive, or misleading misrepresentations during the collection process. This includes falsely representing or implying that you are an attorney or that your communication carries the weight and authority of an attorney. Furthermore, your false representation or implication as an attorney misleads and deceives the consumer, creating an atmosphere of intimidation and coercion. This conduct is not only unethical, but it also violates the rights and protections afforded to consumers under federal and state laws. I demand that you immediately cease and desist from any further false representations or implications as an attorney or that your communication is from an attorney. Such practices tarnish your reputation as a debt collector and can subject you to legal repercussions. Moreover, please provide written confirmation within [15 days] of receiving this letter that you have discontinued these false representations or implications in your collection activities. Failure to do so will leave me with no choice but to take appropriate legal actions to assert and protect my rights. I would like to remind you that my rights as a consumer are protected by the FD CPA, which provides legal remedies for violations. These remedies may include actual damages, statutory damages, attorney fees, and other remedies available under applicable law. It is my hope that we can resolve this matter amicably and that you will adhere to the laws and regulations governing debt collection practices in the future. I expect a prompt response to this letter and a resolution to this issue within [30 days]. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]Queens New York 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: Dear [Debt Collector's Name], I am writing to express my concern and disappointment regarding your recent collection activities pertaining to the debt allegedly owed by [Your Name]. It has come to my attention that your communication has falsely represented or implied that you are an attorney, or that your communication is from an attorney. As per the Fair Debt Collection Practices Act (FD CPA) and the laws of the state of New York, it is strictly prohibited for a debt collector to engage in any false, deceptive, or misleading misrepresentations during the collection process. This includes falsely representing or implying that you are an attorney or that your communication carries the weight and authority of an attorney. Furthermore, your false representation or implication as an attorney misleads and deceives the consumer, creating an atmosphere of intimidation and coercion. This conduct is not only unethical, but it also violates the rights and protections afforded to consumers under federal and state laws. I demand that you immediately cease and desist from any further false representations or implications as an attorney or that your communication is from an attorney. Such practices tarnish your reputation as a debt collector and can subject you to legal repercussions. Moreover, please provide written confirmation within [15 days] of receiving this letter that you have discontinued these false representations or implications in your collection activities. Failure to do so will leave me with no choice but to take appropriate legal actions to assert and protect my rights. I would like to remind you that my rights as a consumer are protected by the FD CPA, which provides legal remedies for violations. These remedies may include actual damages, statutory damages, attorney fees, and other remedies available under applicable law. It is my hope that we can resolve this matter amicably and that you will adhere to the laws and regulations governing debt collection practices in the future. I expect a prompt response to this letter and a resolution to this issue within [30 days]. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]
