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:
"(5) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees." Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to discuss a matter of great concern regarding the debt collection practices employed by your agency. Specifically, I have recently discovered that your company has been engaging in unfair practices in collecting outstanding debts, resulting in unnecessary charges for communication by concealing the true purpose of your communications. As a resident of Houston, Texas, I am entitled to fair and ethical treatment as outlined by the Fair Debt Collection Practices Act (FD CPA). It is disheartening to learn that your agency is not upholding these regulations. This letter aims to bring this matter to your attention and request that these unfair practices cease immediately. Upon analyzing my recent communication logs, I have noticed several instances where your agency has concealed the true purpose of your communications. This has resulted in unnecessary charges for every communication, including letters, phone calls, and text messages. Such misleading tactics are not only unethical but also violate the FD CPA, which seeks to protect consumers from deceptive collection practices. In light of these circumstances, I urge you to immediately rectify this issue and compensate me for any unjust charges incurred due to your agency's misrepresentation and deceitful practices. I expect you to take prompt action to correct the situation and halt any further attempts to collect debts using such unfair methods. Houston, Texas is a city known for its vibrant and diverse community, where individuals should not be subjected to exploitative tactics by debt collectors. It is my sincere hope that you will address this matter with the urgency and seriousness it deserves. Failure to do so may leave me with no choice but to take legal action and report your agency's unethical practices to the appropriate authorities. I encourage you to take this opportunity to reassess your agency's debt collection methods and ensure compliance with the FD CPA. By doing so, you can restore my trust and uphold the values of integrity in the debt collection industry. I request a written and documented response within [reasonable timeframe, such as 30 days] from the receipt of this letter. Your response should outline the corrective measures taken to address this situation, as well as any compensation owed for the unfair charges incurred. In closing, I trust that you will take immediate action to rectify this matter and restore the integrity of your agency's debt collection practices. I strongly advise against engaging in any further unethical activities that harm consumers and compromise your professional reputation. Your prompt attention to this matter is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: Houston, Texas, letter, informing, debt collector, unfair practices, collection activities, person, incur charges, communications, concealing, true purpose, content, relevant, keywords.
Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to discuss a matter of great concern regarding the debt collection practices employed by your agency. Specifically, I have recently discovered that your company has been engaging in unfair practices in collecting outstanding debts, resulting in unnecessary charges for communication by concealing the true purpose of your communications. As a resident of Houston, Texas, I am entitled to fair and ethical treatment as outlined by the Fair Debt Collection Practices Act (FD CPA). It is disheartening to learn that your agency is not upholding these regulations. This letter aims to bring this matter to your attention and request that these unfair practices cease immediately. Upon analyzing my recent communication logs, I have noticed several instances where your agency has concealed the true purpose of your communications. This has resulted in unnecessary charges for every communication, including letters, phone calls, and text messages. Such misleading tactics are not only unethical but also violate the FD CPA, which seeks to protect consumers from deceptive collection practices. In light of these circumstances, I urge you to immediately rectify this issue and compensate me for any unjust charges incurred due to your agency's misrepresentation and deceitful practices. I expect you to take prompt action to correct the situation and halt any further attempts to collect debts using such unfair methods. Houston, Texas is a city known for its vibrant and diverse community, where individuals should not be subjected to exploitative tactics by debt collectors. It is my sincere hope that you will address this matter with the urgency and seriousness it deserves. Failure to do so may leave me with no choice but to take legal action and report your agency's unethical practices to the appropriate authorities. I encourage you to take this opportunity to reassess your agency's debt collection methods and ensure compliance with the FD CPA. By doing so, you can restore my trust and uphold the values of integrity in the debt collection industry. I request a written and documented response within [reasonable timeframe, such as 30 days] from the receipt of this letter. Your response should outline the corrective measures taken to address this situation, as well as any compensation owed for the unfair charges incurred. In closing, I trust that you will take immediate action to rectify this matter and restore the integrity of your agency's debt collection practices. I strongly advise against engaging in any further unethical activities that harm consumers and compromise your professional reputation. Your prompt attention to this matter is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: Houston, Texas, letter, informing, debt collector, unfair practices, collection activities, person, incur charges, communications, concealing, true purpose, content, relevant, keywords.
