Missouri 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."

Missouri Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities Subject: False Representation or Implication that the Debt Collector is Vouched for, Bonded by, or Affiliated with the United States — Cease and Desist [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Dear [Debt Collector's Name], I am writing to bring to your attention a matter of great concern regarding your debt collection activities. I have recently received communications from your agency regarding an alleged debt which contain false or misleading misrepresentations implying that your organization is vouched for, bonded by, or affiliated with the United States government. As a resident of the state of Missouri, I am familiar with the Missouri Revised Statutes, specifically the Fair Debt Collection Practices Act (FD CPA) along with the Federal Debt Collection Practices Act (FD CPA). Under these laws, debt collectors are strictly prohibited from making any false, deceptive, or misleading representations to debtors. In particular, Section 407.025(2) of the Missouri Revised Statutes clearly states that "A debt collector may not falsely represent or imply 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." Furthermore, the FD CPA, section 1692e(9), also addresses this issue at the federal level. Upon careful review of the communications received from your agency, it has become evident that you have violated the above-mentioned laws. The letters received contain explicit or implicit implications that your organization is endorsed, bonded, or affiliated with the United States government. I hereby demand that you immediately cease and desist all further communication related to the alleged debt until such time that you can provide verifiable evidence of your compliance with the law. Furthermore, I request that you provide written confirmation within twenty (20) days of receiving this letter specifying that you have ceased all collection activities relating to the alleged debt and that any negative reporting or entries made in regard to this debt on my credit report have been removed. Please consider this letter as an official notice of your violation of the law and a final opportunity for you to rectify the situation before further legal action may be pursued to protect my rights as a consumer. I reserve the right to seek legal counsel and take appropriate action to enforce my rights should you fail to comply with this demand. Copies of this letter will be retained for my records along with any future correspondence or actions taken in response to your deceptive practices. I anticipate your prompt attention and resolution in this matter. Yours sincerely, [Your Name]

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Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and to who, as well as when you need to pay the debt. If you're still uncertain about the debt you're being asked to pay, you can request a debt verification letter to get more information.

The law makes it illegal for debt collectors to harass debtors in other ways, including threats of bodily harm or arrest. They also cannot lie or use profane or obscene language. Additionally, debt collectors cannot threaten to sue a debtor unless they truly intend to take that debtor to court.

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.

Under this Act (Title VIII of the Consumer Credit Protection Act), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes.

The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

The Fair Debt Collection Practices Act (FDCPA), (15 USC 1692 et seq.), which became effective March 20,1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.

The Fair Debt Collection Practices Act (FDCPA), (15 USC 1692 et seq.), which became effective March 20,1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.

I am responding to your contact about a debt you are attempting to collect. You contacted me by [phone/mail], on [date]. You identified the debt as [any information they gave you about the debt]. Please stop all communication with me and with this address about this debt.

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(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 ... Example of letter for notice that you are represented by an attorney. Pursuant to 15 U.S.C. §1692(c) of the Fair. Debt Collection Practices Act, you should.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Jul 21, 2010 — A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Mar 21, 2016 — The FDCPA prohibits debt collectors from “us[ing] any false, deceptive, or misleading representation or means in connection with the collection ... Sep 25, 2021 — (1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any ... How to fill out Missouri Letter Informing Debt Collector Of False Or Misleading Misrepresentations In Collection Activities - Using False Representation Or ... Jul 18, 2007 — Below is a sample, fill-in-the-blank letter that you can use as a guide for disputing a debt with a collector. The Federal Trade Commission ... What constitutes a false and misleading debt collection practice? (1) The false representation or implication that the debt collector is vouched for, bonded ... Jun 10, 2020 — False or misleading representations. A debt collector may not use any false, deceptive, or mis leading representation or means in connection ...

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Missouri 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