How do I dispute a collection?

Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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Letter Informing Debt Collector of Unfair Practices in Collection...

Broward Florida Letter Informing Debt Collector of Unfair Practices in Collection Activities - Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law

Name: Broward Florida Letter Informing Debt Collector of Unfair Practices in Collection Activities - Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law
Brand: US Legal Forms
Rating: 4.76 (389 reviews)

Category:

Collections - Fair Debt Practices Act

State:

Multi-State

County:

Broward

Control #:

US-DCPA-20.1BG

Format:

Instant download

Description

Section 808 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692f, provides, in part, as follows:

"A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

"(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law."

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FAQ

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

Legal rights when dealing with debt collectors Under the Australian Consumer Law, a debt collector must not: use physical force or coercion (forcing or compelling you to do something) harass or hassle you to an unreasonable extent. mislead or deceive you (or try to do so)

Unfair Practices Collect any interest, fee, charge or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.

Harassment of the debtor by the creditor More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.

Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

You can file your dispute through the credit bureaus' website, over the phone or by mail. The easiest and fastest way is to do it online. Whichever route you go, you will have to provide personal information, a description of the information that needs to be corrected, and documentation to back your claim.

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

Unfair practices are prohibited Deposit or threaten to deposit a postdated check before your intended payment date. Take or threaten to take property if it's not allowed. Collect more than you owe on a debt, which may include fees and interest.

Broward Florida Letter Informing Debt Collector of Unfair Practices in Collection Activities - Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law

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FAQ

What are things debt collectors Cannot do?

What rights do debt collectors have in Australia?

What are unfair collection practices?

What is the most common violation of the Fdcpa?

How do I dispute a collection?

How do I report an inaccurate debt collector?

What constitutes a false and misleading debt collection practice?

Which of the following are considered unfair practices by debt collectors?

Interesting Questions

What does Broward Letter Informing Debt Collector of Unfair Practices in Collection Activities mean?

What is considered an unfair practice in collection activities under Broward Law 713729?

What should I do if a debt collector collects more money than what is authorized?

Why is it important to inform the debt collector about their unfair practices?

What information should I include in the Broward Letter?

Can I send the Broward Letter via email or should I use traditional mail?

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