Fill and Sign the Letter Debt Form

(Your name) (Your Address) (Your City, State, Zip Code) (date) (Company name) (Contact person) (Company address) (company city, state, zip code) Re: Unfair practices violating Section 808 of the Fair Debt Collection Practices Act (FDCPA): Case # . Dear Sir or Madam: Your collection activities in attempting to collect the alleged debt associated with the above mentioned case number have violated Section 808 of the FDCPA. On , you: I believe 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, - 1 - Describe the incident in your own words in the space indicated above. In order to have proof that your letter was mailed and delivered, send by certified or registered mail with return receipt requested. UNFAIR PRACTICES (Section 808) A debt collector may not use unfair or unconscionable means to collect a debt. A debt collector’s actions are unfair if they cause injury to the consumer that is: (1) substantial, (2) not outweighed by countervailing benefits to consumers or competition, and (3) not reasonably avoidable by the consumer. Examples of unfair practices include:  Collecting an amount not authorized by the agreement creating the debt or by law.  Accepting a check postdated by more than five days unless the debt collector notifies the bearer of the check in writing of the debt collector’s intent to deposit the check not more than ten nor less than three business days prior to deposit.  Soliciting a postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.  Depositing a postdated check prior to the date on the check.  Causing a person to incur charges for communications by concealing the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.  Taking, or threatening to take, any nonjudicial action to enforce a security interest on property (e.g., repossessing a consumer’s property) where (a) there is no present right to the collateral, (b) there is no present intent to exercise such rights, or (c) the property is exempt by law.  Communicating with a consumer regarding a debt by post card.  Using any language or symbol, other than the debt collector's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. - 2 - (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 808 of the Fair Debt Collection Practices Act (FDCPA): 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, have violated Section 808 of the FDCPA. On , I sent you a letter notifying you of your violation of Section 808 of the FDCPA prohibiting unfair practices. On , you violated Section 808 again as described below: It appears that you are 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, Enclosures: (list complaint letters to various government authorities and agencies and enclose copies with this letter) - 3 -