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: Cease Misleading Collection Activities — False Attorney Representation in San Antonio, Texas Dear [Debt Collection Agency's Name], I hope this letter finds you well. My purpose in writing today is to bring to your attention certain false or misleading misrepresentations I have encountered in your collection activities. Specifically, it has come to my attention that there have been instances where your agency has falsely represented itself as an attorney or implied that the communication is from an attorney regarding my outstanding debt. As a resident of San Antonio, Texas, I am well aware of the legal rights and protections afforded to consumers under the Fair Debt Collection Practices Act (FD CPA) and the Texas Debt Collection Act. Both these laws prohibit debt collectors from engaging in deceptive or misleading practices, including falsely representing themselves as attorneys or creating the impression that a communication is from an attorney. These practices are not only unethical but also illegal. Given the seriousness of this matter, I kindly request that you take immediate action to rectify the false or misleading misrepresentations made by your agency. Enclosed with this letter, you will find copies of the communication received, as well as any relevant documentation proving the false representation or implication that the debt collector is an attorney or that the communication is from an attorney. In accordance with the FD CPA, I demand that you cease all such misleading activities immediately. Additionally, I request that you confirm in writing, within [30] days of receiving this letter, that you have ceased making these false representations. Failure to comply with this demand may result in further legal action being pursued against your agency. I would also like to remind you that any future communication regarding this debt must be conducted in compliance with the FD CPA and the Texas Debt Collection Act. Any violation of these laws will be reported to the appropriate regulatory authorities and may result in legal action. Lastly, please be aware that this letter is not an acknowledgment of any debt owed. It is purely to address the false or misleading representations made by your agency in violation of applicable laws. I expect your full cooperation and prompt resolution of this matter. If you have any questions or require further information regarding this specific issue, please do not hesitate to contact me at the address or phone number provided below. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]Subject: Cease Misleading Collection Activities — False Attorney Representation in San Antonio, Texas Dear [Debt Collection Agency's Name], I hope this letter finds you well. My purpose in writing today is to bring to your attention certain false or misleading misrepresentations I have encountered in your collection activities. Specifically, it has come to my attention that there have been instances where your agency has falsely represented itself as an attorney or implied that the communication is from an attorney regarding my outstanding debt. As a resident of San Antonio, Texas, I am well aware of the legal rights and protections afforded to consumers under the Fair Debt Collection Practices Act (FD CPA) and the Texas Debt Collection Act. Both these laws prohibit debt collectors from engaging in deceptive or misleading practices, including falsely representing themselves as attorneys or creating the impression that a communication is from an attorney. These practices are not only unethical but also illegal. Given the seriousness of this matter, I kindly request that you take immediate action to rectify the false or misleading misrepresentations made by your agency. Enclosed with this letter, you will find copies of the communication received, as well as any relevant documentation proving the false representation or implication that the debt collector is an attorney or that the communication is from an attorney. In accordance with the FD CPA, I demand that you cease all such misleading activities immediately. Additionally, I request that you confirm in writing, within [30] days of receiving this letter, that you have ceased making these false representations. Failure to comply with this demand may result in further legal action being pursued against your agency. I would also like to remind you that any future communication regarding this debt must be conducted in compliance with the FD CPA and the Texas Debt Collection Act. Any violation of these laws will be reported to the appropriate regulatory authorities and may result in legal action. Lastly, please be aware that this letter is not an acknowledgment of any debt owed. It is purely to address the false or misleading representations made by your agency in violation of applicable laws. I expect your full cooperation and prompt resolution of this matter. If you have any questions or require further information regarding this specific issue, please do not hesitate to contact me at the address or phone number provided below. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
