Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 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:
“(2) The false representation of . . . any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. “
[Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, ZIP] Subject: Notice of False or Misleading Misrepresentations in Collection Activities Dear [Debt Collection Agency Name], I am writing this letter in regard to the collection activities conducted by your agency, as it has come to my attention that certain false or misleading representations have been made during the course of communicating with me regarding the debt owed. I am specifically referring to your agency's false representation of services rendered or compensation that may be lawfully received for the collection of a debt. After conducting my own research and seeking legal advice, I have become aware that debt collectors are prohibited by federal and state laws from making false or misleading representations, including misrepresenting services rendered or compensation that may be lawfully received. This conduct is not only unethical but also illegal under the Fair Debt Collection Practices Act (FD CPA) and other applicable laws. It is my belief that your agency has engaged in such false or misleading misrepresentations, which have led to confusion and apprehension on my part. These misrepresentations also undermine my ability to make informed decisions regarding the debt owed. I kindly request that your agency immediately ceases any and all false or misleading representations in all future communication with me. Furthermore, please provide me with a written confirmation within [insert a reasonable timeframe] of receiving this letter, outlining that you have taken the necessary steps to rectify this matter and ensure such misrepresentations cease henceforth. Failure to comply with this request may result in legal action, where I will seek all available remedies under the law to protect my rights and hold your agency accountable for any damages caused. I expect your prompt cooperation in this matter. Please direct all future correspondence related to this debt to the following address: [Your Updated Address] Thank you for your attention to this matter. Sincerely, [Your Name][Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, ZIP] Subject: Notice of False or Misleading Misrepresentations in Collection Activities Dear [Debt Collection Agency Name], I am writing this letter in regard to the collection activities conducted by your agency, as it has come to my attention that certain false or misleading representations have been made during the course of communicating with me regarding the debt owed. I am specifically referring to your agency's false representation of services rendered or compensation that may be lawfully received for the collection of a debt. After conducting my own research and seeking legal advice, I have become aware that debt collectors are prohibited by federal and state laws from making false or misleading representations, including misrepresenting services rendered or compensation that may be lawfully received. This conduct is not only unethical but also illegal under the Fair Debt Collection Practices Act (FD CPA) and other applicable laws. It is my belief that your agency has engaged in such false or misleading misrepresentations, which have led to confusion and apprehension on my part. These misrepresentations also undermine my ability to make informed decisions regarding the debt owed. I kindly request that your agency immediately ceases any and all false or misleading representations in all future communication with me. Furthermore, please provide me with a written confirmation within [insert a reasonable timeframe] of receiving this letter, outlining that you have taken the necessary steps to rectify this matter and ensure such misrepresentations cease henceforth. Failure to comply with this request may result in legal action, where I will seek all available remedies under the law to protect my rights and hold your agency accountable for any damages caused. I expect your prompt cooperation in this matter. Please direct all future correspondence related to this debt to the following address: [Your Updated Address] Thank you for your attention to this matter. Sincerely, [Your Name]
