Fill and Sign the Letter Informing Debt Collector of Unfair Practices in

- 1 - Letter Informing Debt Collector of Unfair Practices in Collection Activities (Collecting an Amount not Authorized by the Agreement Creating the Debt or by Law) _______________________________________ (Your Name) __________________________________________________ (Your Address) ___________________________________________________________ (Your City, State, Zip Code) ________________________________ (Date) ________________________________________ (Name of Collection Agency)_________________________________________ (Name of Contact Person)_________________________________________________________________________ (Street Address or Post Office Box Number, City, State, Zip Code) Re: Unfair Practices Violating Section 808 of the Fair Debt Collection Practices Act; Your File No. ________________________ Dear Mr. /Ms. _______________________ (last name): Your company’s collection activities in attempting to collect the alleged debt associated with the above mentioned case number have violated Section 808 of the Fair Debt Collection Practices Act (15 USC 1692f). Section 808 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692f, provides, in part, as follows: “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: “(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.” On ___________________________________ (date of the incident), I received a letter from ___________________________________________________ (Name of Collection Agency) that demanded payment of the alleged debt and a collection fee of (e.g., 15%) ___________. I paid the alleged debt and collection fee. Further investigation into the matter has disclosed that the lega l rate of interest on this type of debt (e.g., open account) _______________________________________ is only ____% ___________________________________________ (cite state statute). I never - 2 - agreed with ______________________________________________ (Name of Collection Agency) nor _______________________________________ (Name of Creditor) to pay any interest in excess of the legal rate. Therefore, please refund the sum of ________________________________ (dollar amount) to the undersigned as soon as possible. This amount represents the excess interest paid by me to you pursuant to your unlawful demand. Sincerely, _______________________________________ _______________________________________ Printed Name and Signature