District of Columbia Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using a Business Name Other Than the True Name of the Debt Collector's Business

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Multi-State
Control #:
US-DCPA-19.5BG
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Word; 
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Description

Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 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:


"(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization."

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FAQ

A debt collector may state that certain action is possible, if it is true that such action is legal and is frequently taken by the collector or creditor with respect to similar debts; however, if the debt collector has reason to know there are facts that make the action unlikely in the particular case, a statement that

Among the insider tips, Ulzheimer shared with the audience was this: if you are being pursued by debt collectors, you can stop them from calling you ever again by telling them '11-word phrase'. This simple idea was later advertised as an '11-word phrase to stop debt collectors'.

(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. (2) The false representation of -- (A) the character, amount, or legal status of any debt; or.

Unfair practices are prohibitedDeposit or threaten to deposit a postdated check before your intended payment date. Take or threaten to take property if it's not allowed. Collect more than you owe on a debt, which may include fees and interest.

7 Most Common FDCPA ViolationsContinued attempts to collect debt not owed.Illegal or unethical communication tactics.Disclosure verification of debt.Taking or threatening illegal action.False statements or false representation.Improper contact or sharing of info.Excessive phone calls.

The Fair Debt Collection Practices Act (FDCPA) The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you.

Your letter should: Ask the credit bureau to remove or correct the inaccurate or incomplete information. Include: your complete name and address....The credit bureaus also accept disputes online or by phone:Experian (888) 397-3742.Transunion (800) 916-8800.Equifax (866) 349-5191.

Your credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts are covered under the FDCPA.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

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Available to assist agencies in collecting delinquent debts, and supplements the debt16, then the loan is delinquent and the date of delinquency is. (14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization. (15) The false ...In fact, debt collectors can't make any false or misleading claims ofname other than the true name of the debt collector's business, ... If the debt is legitimately yours, knowing whom to pay can be confusing. Debt collection agency? Original creditor? Debt that has slipped into ... 2. State debt collection litigation often presents opportunities for the debtor/defendant to assert affirmative Fair Debt Collection Practices Act. (FDCPA) ... Does not use the other company's name in its collection efforts,collection agency shall obtain, and be able to inform the debtor of: 1. The name of the ... The Fair Debt Collection Practices Act is a federal law that governs practices by third-party debt collectors ? those who buy a delinquent debt from an ... It also requires debt collectors to give debtors certain information.The FTC has stated that a creditor is using a name "other than ... Mail: Comment Intake?Debt Collection, Bureau of Consumer Financialdebt collectors compete with one another to secure business from ... Prosecutors and Debt Collectors as Business Partners.courts, debt purchasers file more suits than any other type of plaintiff. Debt collection lawyers ...

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District of Columbia Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using a Business Name Other Than the True Name of the Debt Collector's Business