Fill and Sign the A Primer on the Fdcpa Creditor Harassment Ampamp Debtors Form

- 1 - LETTER – NOT PRIVIDING THE “MINI-MIRANDA” In order to have proof that your letter was mailed and delivered, send by certified or registered mail with return receipt requested. Section 807 of the Fair Debt Collection Practices Act (FDCPA) prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of a debt. This includes failing to disclose in the initial communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose (sometimes called the “mini-miranda” notice). After their first violation, write a complaint to the Federal Trade Commission (FTC) and your state attorney general’s office. Make copies of the complaint letters. If the debt collector commits a second violation, send them a copy of each complaint letter along with your second letter providing them notice of their violation. - 2 - (Your name) (Your Address) (Your City, State, Zip Code) (date) (Company name) (Contact person) (Company address) (company city, state, zip code) Re: Notice of violation of Section 807 of the Fair Debt Collection Practices Act (FDCPA) prohibiting a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of a debt: Case # . Dear Sir or Madam: I am sending you this letter to provide notice that you violated Section 807 of the FDCPA in connection with the alleged debt associated with the above mentioned case number. Section 807 of the Fair Debt Collection Practices Act (FDCPA) prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of a debt. This includes failing to disclose in the initial communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose (sometimes called the “mini-miranda” notice). You violated the Statute as follows: It is in our mutual best interest for you to stop engaging in the above mentioned behavior. Thank you in advance for your attention to this matter. Sincerely, - 3 - (your name) (your Address) (your city, state, zip code) (date) (company name) (contact person) (company address) (company city, state, zip code) Re: Second notice of violation of Section 807 of the Fair Debt Collection Practices Act (FDCPA) prohibiting a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of a debt: Case # . Dear Sir or Madam: This is your second notice that your collection activities in attempting to collect the alleged debt, associated with the above mentioned case number, violated Section 807 of the FDCPA. Section 807 of the Fair Debt Collection Practices Act (FDCPA) prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of a debt. This includes failing to disclose in the initial communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose (sometimes called the “mini-miranda” notice). On , I provided you notice that you violated Section 807 on by: . On , you violated Section 807 again by: . You appear to be engaged in a willful and persistent pattern of behavior rather than having made an isolated mistake. I do not have to remind you that the FDCPA provides consumers the right to bring a civil cause of action to recover damages caused by abusive, deceptive, or improper debt collection practices. It is in our mutual best interest for you to stop engaging in the above mentioned behavior. Thank you in advance for your attention to this matter. Sincerely, - 4 - Enclosures: (list complaint letters to various government authorities and agencies and enclose copies with this letter).