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." Title: Mecklenburg, North Carolina: Letter Informing Debt Collector of Unfair Practices in Collection Activities — Concealing True Purpose of Communication and Incurring Charges Keywords: Mecklenburg, North Carolina, letter informing, debt collector, unfair practices, collection activities, incurring charges, communication, concealing true purpose Introduction: Mecklenburg County, located in the beautiful state of North Carolina, is known for its thriving community and vibrant economy. However, it is crucial to be aware of your rights when dealing with debt collectors in order to protect yourself from unfair practices. This article will provide a detailed description of a letter informing debt collectors of unfair practices related to concealing the true purpose of communication and causing individuals to incur charges for such communications. Types of Letters Informing Debt Collectors of Unfair Practices: 1. Letter informing debt collector of false representation: This type of letter emphasizes the prohibition against using deceptive means to obtain information or coerce payment. It highlights situations where the true purpose of communication has been concealed, leading to the individual incurring unnecessary charges. 2. Letter addressing misleading or deceptive communications tactics: This letter specifically addresses situations where debt collectors have used misleading or deceptive tactics. It outlines the negative impact such practices can have on individuals, causing them to incur charges for unnecessary communication. 3. Letter seeking clarification and resolution: This type of letter seeks clarification from the debt collector regarding the true purpose of communications that have resulted in charges. It aims to resolve the situation amicably by requesting the cancellation of incurred charges and an explanation of the communication's true purpose. Content of the Letter: When drafting a letter informing a debt collector of unfair practices, it is important to include the following key elements: 1. Proper heading: Include your name, address, and other contact information, along with the debt collector's name and address, to ensure accurate identification. 2. Clear explanation of the situation: Describe the specific instances where the debt collector concealed the true purpose of communication, leading to unnecessary charges being incurred. 3. Reference to relevant laws: Cite specific federal and state laws that protect consumers from unfair practices by debt collectors, such as the Fair Debt Collection Practices Act and North Carolina's debt collection laws. 4. Request for resolution: Clearly state your expectation, such as the cancellation of incurred charges, an explanation of the true purpose of each communication, and a commitment from the debt collector to cease the unfair practices. 5. Mention of potential legal action: If the unfair practices persist, express your willingness to escalate the matter by involving appropriate authorities or filing complaints with relevant agencies. 6. Enclosures: Attach any supporting documentation, such as bills or records of communication, to substantiate your claims and strengthen your case. Conclusion: Crafting a well-written letter informing debt collectors of unfair practices involving the concealment of the true purpose of communication can help protect your rights as a consumer and ensure fair treatment. By using the above guidelines and addressing the specific issues at hand, you can take a proactive step in resolving such unfair practices in Mecklenburg, North Carolina.
Title: Mecklenburg, North Carolina: Letter Informing Debt Collector of Unfair Practices in Collection Activities — Concealing True Purpose of Communication and Incurring Charges Keywords: Mecklenburg, North Carolina, letter informing, debt collector, unfair practices, collection activities, incurring charges, communication, concealing true purpose Introduction: Mecklenburg County, located in the beautiful state of North Carolina, is known for its thriving community and vibrant economy. However, it is crucial to be aware of your rights when dealing with debt collectors in order to protect yourself from unfair practices. This article will provide a detailed description of a letter informing debt collectors of unfair practices related to concealing the true purpose of communication and causing individuals to incur charges for such communications. Types of Letters Informing Debt Collectors of Unfair Practices: 1. Letter informing debt collector of false representation: This type of letter emphasizes the prohibition against using deceptive means to obtain information or coerce payment. It highlights situations where the true purpose of communication has been concealed, leading to the individual incurring unnecessary charges. 2. Letter addressing misleading or deceptive communications tactics: This letter specifically addresses situations where debt collectors have used misleading or deceptive tactics. It outlines the negative impact such practices can have on individuals, causing them to incur charges for unnecessary communication. 3. Letter seeking clarification and resolution: This type of letter seeks clarification from the debt collector regarding the true purpose of communications that have resulted in charges. It aims to resolve the situation amicably by requesting the cancellation of incurred charges and an explanation of the communication's true purpose. Content of the Letter: When drafting a letter informing a debt collector of unfair practices, it is important to include the following key elements: 1. Proper heading: Include your name, address, and other contact information, along with the debt collector's name and address, to ensure accurate identification. 2. Clear explanation of the situation: Describe the specific instances where the debt collector concealed the true purpose of communication, leading to unnecessary charges being incurred. 3. Reference to relevant laws: Cite specific federal and state laws that protect consumers from unfair practices by debt collectors, such as the Fair Debt Collection Practices Act and North Carolina's debt collection laws. 4. Request for resolution: Clearly state your expectation, such as the cancellation of incurred charges, an explanation of the true purpose of each communication, and a commitment from the debt collector to cease the unfair practices. 5. Mention of potential legal action: If the unfair practices persist, express your willingness to escalate the matter by involving appropriate authorities or filing complaints with relevant agencies. 6. Enclosures: Attach any supporting documentation, such as bills or records of communication, to substantiate your claims and strengthen your case. Conclusion: Crafting a well-written letter informing debt collectors of unfair practices involving the concealment of the true purpose of communication can help protect your rights as a consumer and ensure fair treatment. By using the above guidelines and addressing the specific issues at hand, you can take a proactive step in resolving such unfair practices in Mecklenburg, North Carolina.
