Debt Collector Information With A Spouse

State:
Multi-State
Control #:
US-DCPA-19.14BG
Format:
Word; 
Rich Text
Instant download

Description

The document serves as a formal letter to a debt collector, addressing false or misleading misrepresentations in their collection activities, particularly in relation to spouse involvement in joint debts. It highlights violations under Section 807 of the Fair Debt Collection Practices Act, emphasizing the prohibition against using deceptive means in debt collection. Users are instructed to include specific details such as the name of the debt collector, dates of incidents, and descriptions of misleading actions. This letter is particularly useful for attorneys, partners, owners, associates, paralegals, and legal assistants who deal with consumer rights and debt collection disputes. These professionals can utilize the form to effectively advocate for clients facing illegal collection practices. It encourages clarity by requiring users to state the dispute clearly and to demand action from the debt collector within a specified timeframe. Moreover, it reinforces legal accountability by informing the debt collector of potential legal actions if they fail to comply, enhancing the user's assertiveness in disputing debts.
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  • Preview Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Communicating or Threatening to Communicate to any Person False Credit Information, Including the Failure to Communicate that a Debt is Disputed
  • Preview Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Communicating or Threatening to Communicate to any Person False Credit Information, Including the Failure to Communicate that a Debt is Disputed

How to fill out Letter Informing Debt Collector Of False Or Misleading Misrepresentations In Collection Activities - Communicating Or Threatening To Communicate To Any Person False Credit Information, Including The Failure To Communicate That A Debt Is Disputed?

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FAQ

This is where we get our "7-in-7" concept. You can attempt to contact a consumer about 1 debt 7 times in 7 days. And it's the "1 debt" that's key here. Phone numbers do not matter; how many debts your agency has for the consumer does.

The 7-in-7 rule explained Collectors are permitted to place a call to the consumer about a particular debt seven (7) times within a period of seven (7) consecutive days, so long as no contact is made with the consumer in any of the attempts.

Debt collectors usually can't contact people you know more than once and they can't say they're trying to collect on a debt. Generally, a debt collector can't discuss your debt with anyone other than: You. Your spouse.

Debt collectors may ask questions to verify your identity, but you should never provide sensitive or financial information, at least not until you've verified the debt and that it's not a scam.

Generally, a debt collector can't discuss your debt with anyone but you or your spouse. If you've told the collector an attorney is representing you, the collector must contact the attorney.

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Debt Collector Information With A Spouse