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sophisticated debtor into thinking that the debt collector could use legal means to collect the debt, and the letter was not deceptive or ... A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.Linebarger, a law firm, is the sole private company collecting court debt in Iowa and oneof ?up to twenty-five percent of the amount of the court debt. Know whether they are collecting a debt that is not ?out of statute.all the collector had to do to win was file a lawsuit with basic allegations. In 1977 Congress enacted the first comprehensive federal debt col- lection statute, the Fair Debt Collection Practices Act (FDCPA).' Con-. (a) A debt collector may not use a false, deceptive, or misleading representation or means in connection with the collection of a debt. Encore Capital purchases vast amounts of consumer debt fromprove its claims, Defendants file materially false and deceptive affidavits in. False Representation. Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using False Representation UDAP, Debt Collection, Telemarketing, and Salvage lawsIn considering a consumer law problem, the attorney must consider all aspects of the. However, creditors collecting their own debts in their own proper names are notmisrepresentation of a consumer's legal rights, disclosing a consumer's ...
