Debt Collection Involving Former Client

State:
Multi-State
Control #:
US-DCPA-18.1BG
Format:
Word; 
Rich Text
Instant download

Description

The document is a letter designed to inform a debt collection agency about harassment or abusive practices related to debt collection, specifically violations of Section 806 of the Fair Debt Collection Practices Act. This letter serves as a formal complaint regarding threats of violence or other criminal means against the debtor's physical person, reputation, or property. Key features include the clear documentation of the incident date, details about the employee involved, and a request for the cessation of such behavior. Users will fill in their personal information, the collection agency's details, and specific descriptions of the abusive actions. Attorneys, partners, owners, and associates can utilize this form to aid clients in asserting their rights under the Fair Debt Collection Practices Act. Paralegals and legal assistants can assist in drafting and sending the letter to ensure compliance with legal standards, ultimately helping to protect clients from further harassment. This form not only supports individuals in communicating grievances but also reinforces legal protections they are entitled to, promoting awareness and accountability among debt collectors.

How to fill out Letter Informing Debt Collector Of Harassment Or Abuse In Collection Activities Involving Threats To Use Violence Or Other Criminal Means To Harm The Physical Person, Reputation, And/or Property Of The Debtor?

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FAQ

In the new changes to Regulation F, the frequency at which a collections agency can contact a consumer has changed. This change, presented in Section 1006.14B21A, addresses telephone call frequency and restricts agencies to contacting a consumer seven times within seven consecutive days.

If you've already paid the debt If you're sure that you're talking with a legitimate debt collector, you can send copies of documents that prove you made the payments, including cancelled checks or credit card statements. You may also include copies of any correspondence about settling the debt.

On the other hand, here's what you shouldn't do. Don't give a collector any personal financial information, make a "good faith" payment, make promises to pay, or admit the debt is valid.

Until the debt is either paid or forgiven, you still owe the money. This is true even if it's a credit card debt that is sold to a collection agency and even if you think it's unfair.

Can you dispute a debt if it was sold to a collection agency? Your rights are the same as if you were dealing with the original creditor. If you do not believe you should pay the debt, for example, if a debt is stature barred or prescribed, then you can dispute the debt.

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Debt Collection Involving Former Client