Colorado Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States

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Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Sec. 1692e, provides, in part, as follows:


A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:


"(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof."

Colorado Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities — False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease and Desist False and Misleading Representations Concerning Affiliation with the United States Dear [Debt Collector's Name], I am writing to inform you of false or misleading representations made by your company during debt collection activities regarding an affiliation with the United States government. The purpose of this letter is to formally request that you immediately cease and desist from such misleading practices and provide appropriate documentation to confirm the veracity of your claims. Under the Fair Debt Collection Practices Act (FD CPA) and Colorado state law, debt collectors are prohibited from making false, deceptive, or misleading representations regarding their affiliation with any governmental entity. It has come to my attention that your company has been falsely representing or implying that you are vouched for, bonded by, or affiliated with the United States government. Please be advised that these false representations mislead and deceive consumers like myself into believing that your collection activities are endorsed, authorized, or sanctioned by the United States government. Such practices are not only in violation of the FD CPA but are also unlawful under Colorado state law. I hereby demand that you provide written confirmation within 15 days of receiving this letter stating that your company: 1. Acknowledges the false or misleading representations made in collection activities. 2. Ceases any future false or misleading representations concerning affiliation with the United States. 3. Provides documentation verifying any claims of affiliation with the United States. Failure to comply with this cease and desist letter will result in my filing a complaint with the appropriate regulatory authorities, including but not limited to the Colorado Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB). Additionally, I reserve the right to take legal action to seek damages and potential statutory penalties as provided for under the FD CPA and Colorado state law. Please consider this letter as my official notice and the beginning of a paper trail should legal action become necessary to protect my rights. All future communications regarding this matter should be in writing and sent to the address provided above. Thank you for your immediate attention to this matter. I anticipate your compliance with this request and a timely response within the specified period. Sincerely, [Your Name]

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FAQ

Send the agency a letter by mail asking them to confirm their debt in writing. Search for the company name on the internet, review their website, call their number, etc. Do your homework. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam.

How to Request Debt Verification. To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.

A legitimate debt collector should be able to tell you their company name and mailing address, as well as information about the debt they say you owe. The debt collector should provide information about themselves and their collection agency.

A debt validation letter should include the name of your creditor and how much you owe, The letter will include information about when you need to pay the debt and how to dispute it.

Dear debt collector: I am responding to your contact about collecting a debt. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt]. You can contact me about this debt, but only in the way I say below.

Receiving a collection letter can be considered the first step in the collection process that could lead to a lawsuit being filed against you to collect the debt. A collection agency from whom you have received a letter will typically turn the file over to an attorney if they are unable to acquire a payment.

§ 807. (1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

Debt collectors cannot make false or misleading statements. For example, they cannot lie about the debt they are collecting or the fact that they are trying to collect debt, and they cannot use words or symbols that falsely make their letters to you seem like they're from an attorney, court, or government agency.

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A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the ... (1) A debt collector must not falsely represent or imply that: (i) The debt collector is vouched for, bonded by, or affiliated with the United States or any ...(a) The false representation or implication that the debt collector or collection agency is vouched for, bonded by, or affiliated with the United. States ... A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Every complaint we receive gives us insights into problems that people are experiencing in Colorado and helps us identify trends and prioritize problems. Nov 6, 2018 — (1) The false representation or implication that the debt collector is vouched for, bonded by, or affil- iated with the United States or any ... (1) A debt collector or collection agency shall not use any false, deceptive, or misleading representation or means in connection with the collection of any ... by C Stueben · Cited by 22 — For example, false implication that the debt collector is affiliated with the. U.S. government, or any state governmental entity, is forbidden. Id § 1692e(1) ... False or misleading representations. A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col-. May 20, 2019 — However, debt collection communications also may constitute unfair practices, may contain false or misleading representations, or may be ...

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Colorado Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States