Debt Collector Unlawful For Small Business

State:
Multi-State
Control #:
US-DCPA-28
Format:
Word; 
Rich Text
Instant download

Description

The document titled 'Letter – Notice: Stop Leaving Messages with Third Parties' provides a formal template for notifying debt collectors about violations of Section 806 of the Fair Debt Collection Practices Act (FDCPA). This section prohibits debt collectors from engaging in harassment, oppression, or abuse, particularly by leaving messages with third parties when the consumer's contact information is available. The form is structured to allow users to describe the specific violations and to request that the debt collector cease such actions. It includes sections for filling in personal information, company details, and incident descriptions. The letters encourage users to document their complaints to the Federal Trade Commission and the state attorney general's office, emphasizing the importance of filing complaints for repeated violations. This form serves attorneys, partners, owners, associates, paralegals, and legal assistants by providing a clear framework to protect clients from unlawful debt collection practices, allowing for easy customization according to individual circumstances, and ensuring compliance with legal protocols.
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  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties
  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties
  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties

How to fill out Notice To Debt Collector - Unlawful Messages To 3rd Parties?

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FAQ

Reporting a Complaint If you believe a debt collector is violating the law, you may report your complaint with the Attorney General's Office. The Office uses complaints to learn about misconduct.

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.

Once you receive the validation information or notice from the debt collector during or after your initial communication with them, you have 30 days to dispute all or part of the debt, if you don't believe that you owe it. If you receive a validation notice, the end date of the 30-day period will be specified.

A debt collector is also not allowed to harass, oppress, or abuse you or anyone else they contact. This includes repetitious phone calls with the intent to harass, use of obscene or profane language, and threats of violence or harm.

Don't pay, don't promise to pay and don't give any payment information the collector may use later. Ask for information on the debt and say you'll call back to discuss it later. Making a single payment ? even just $5 or $10 ? is an acknowledgment of the debt and can have serious repercussions.

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Debt Collector Unlawful For Small Business