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:
"(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if: (A) there is no present right to possession of the property claimed as collateral through an enforceable security interest . . . . (B) there is no present intention to take possession of the property."
Travis Texas Letter Informing Debt Collector of Unfair Practices in Collection Activities — Taking, or Threatening to Take, any Nonjudicial Action Where there is no Present Right or Intent to Exercise such Rights Title: Addressing Unfair Debt Collection Practices — Travis Texas Letter Introduction: If you've encountered unfair debt collection practices by a collector in Travis, Texas, wherein they are taking or threatening nonjudicial action without any present right or intent to exercise such rights, it is crucial to assert your rights and seek justice. This comprehensive letter template aims to inform the debt collector regarding their unfair practices, putting a halt to their actions and safeguarding your rights as a consumer. [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease and Desist Unfair Debt Collection Practices Dear [Debt Collector's Name], I am writing this letter to bring to your attention the unjust and potentially illegal practices occurring in your debt collection activities concerning the collection of a debt allegedly owed by myself. This letter is a formal notice of your unfair actions related to taking or threatening nonjudicial action without any present right or intent to exercise such rights, as mentioned under the Travis Texas Debt Collection Act [include relevant legal references if available]. Firstly, I must highlight that I am well aware of my rights as a consumer under the Fair Debt Collection Practices Act (FD CPA) and any applicable state laws, including the Travis Texas Debt Collection Act. By engaging in unfair practices, your company is not only violating these laws but also causing undue harassment and anxiety. Specific instances of unfair practices I've experienced include: 1. *Describe the instances where the collector has undertaken nonjudicial actions, such as wage garnishment, threats of property seizure, or legal actions without proper authorization, right, or intent.× 2. *Provide detailed examples of any threats made by the debt collector, whether it be implied or direct, regarding actions that they do not have the legal authority or present intent to carry out.× 3. *Include any relevant conversations or correspondences that demonstrate the unlawful actions or threats made by the debt collector.* It is imperative that you immediately cease and desist from any further unfair debt collection practices targeted towards me. Furthermore, I insist that you correct any incorrect reporting to credit bureaus and provide written confirmation of doing so. This letter serves as a formal request to provide me with documented evidence that you possess the legal authority and present intent to engage in any nonjudicial action related to my debt. Failure to provide such evidence will be regarded as an admission of violating the Travis Texas Debt Collection Act. Please be aware that I am well-informed about my rights as a consumer and will not hesitate to escalate this matter to the appropriate regulatory bodies, file formal complaints, and seek legal remedies available to me under the law, including potential claims for damages and attorney fees. I expect to receive a response from you within [reasonable time frame, e.g., 14 days] from the date of receiving this letter. Your prompt and sincere resolution of this matter will be greatly appreciated. Failure to address this matter appropriately will leave me with no choice but to take necessary legal action to protect my rights. Thank you for your immediate attention to this matter. Yours sincerely, [Your Name]Travis Texas Letter Informing Debt Collector of Unfair Practices in Collection Activities — Taking, or Threatening to Take, any Nonjudicial Action Where there is no Present Right or Intent to Exercise such Rights Title: Addressing Unfair Debt Collection Practices — Travis Texas Letter Introduction: If you've encountered unfair debt collection practices by a collector in Travis, Texas, wherein they are taking or threatening nonjudicial action without any present right or intent to exercise such rights, it is crucial to assert your rights and seek justice. This comprehensive letter template aims to inform the debt collector regarding their unfair practices, putting a halt to their actions and safeguarding your rights as a consumer. [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease and Desist Unfair Debt Collection Practices Dear [Debt Collector's Name], I am writing this letter to bring to your attention the unjust and potentially illegal practices occurring in your debt collection activities concerning the collection of a debt allegedly owed by myself. This letter is a formal notice of your unfair actions related to taking or threatening nonjudicial action without any present right or intent to exercise such rights, as mentioned under the Travis Texas Debt Collection Act [include relevant legal references if available]. Firstly, I must highlight that I am well aware of my rights as a consumer under the Fair Debt Collection Practices Act (FD CPA) and any applicable state laws, including the Travis Texas Debt Collection Act. By engaging in unfair practices, your company is not only violating these laws but also causing undue harassment and anxiety. Specific instances of unfair practices I've experienced include: 1. *Describe the instances where the collector has undertaken nonjudicial actions, such as wage garnishment, threats of property seizure, or legal actions without proper authorization, right, or intent.× 2. *Provide detailed examples of any threats made by the debt collector, whether it be implied or direct, regarding actions that they do not have the legal authority or present intent to carry out.× 3. *Include any relevant conversations or correspondences that demonstrate the unlawful actions or threats made by the debt collector.* It is imperative that you immediately cease and desist from any further unfair debt collection practices targeted towards me. Furthermore, I insist that you correct any incorrect reporting to credit bureaus and provide written confirmation of doing so. This letter serves as a formal request to provide me with documented evidence that you possess the legal authority and present intent to engage in any nonjudicial action related to my debt. Failure to provide such evidence will be regarded as an admission of violating the Travis Texas Debt Collection Act. Please be aware that I am well-informed about my rights as a consumer and will not hesitate to escalate this matter to the appropriate regulatory bodies, file formal complaints, and seek legal remedies available to me under the law, including potential claims for damages and attorney fees. I expect to receive a response from you within [reasonable time frame, e.g., 14 days] from the date of receiving this letter. Your prompt and sincere resolution of this matter will be greatly appreciated. Failure to address this matter appropriately will leave me with no choice but to take necessary legal action to protect my rights. Thank you for your immediate attention to this matter. Yours sincerely, [Your Name]
