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A court order that means a consumer does not have to pay a debt and a creditor or collector may no longer attempt to collect the debt. 17. The FDCPA forbids a collector to use any ?false, deceptive, or misleading representation or means in connection with the collection of any debt.Summary. The Bureau of Consumer Financial Protection (Bureau) proposes to amend Regulation F, 12 CFR part 1006, which implements the Fair ... A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. (a) A debt collector may not use a false, deceptive, or misleading representation or means in connection with the collection of a debt. In 1977 Congress enacted the first comprehensive federal debt col- lection statute, the Fair Debt Collection Practices Act (FDCPA).' Con-. False Representation. Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using False Representation However, creditors collecting their own debts in their own proper names are notmisrepresentation of a consumer's legal rights, disclosing a consumer's ...
