Fill and Sign the Consumer Protection Fdic Law Regulations Related Acts Form

- 1 - LETTER – FALSELY REPRESENTING CONSEQUENCES FOR NONPAYMENT 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 falsely representing or implying that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person. It also includes falsely representing or implying that the consumer committed any crime or other conduct in order to disgrace the consumer. Examples include: Falsely allege that the consumer committed fraud.  Misrepresent the law (e.g., tell a consumer they committed a crime by issuing a check that was dishonored when the law in their state applies only where there is a "scheme to defraud”). 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. In order to have proof that your letter was mailed and delivered, send by certified or registered mail with return receipt requested. - 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 falsely representing or implying that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person. It also includes falsely representing or implying that the consumer committed any crime or other conduct in order to disgrace the consumer. 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 falsely representing or implying that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person. It also includes falsely representing or implying that the consumer committed any crime or other conduct in order to disgrace the consumer. 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).