North Carolina Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing the Character, Amount, or Legal Status of any Debt

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US-DCPA-19.7BG
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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:


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


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FAQ

(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.

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.

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.

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.

If you believe a debt collector has given you false, deceptive, or misleading information, you have several options:Submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).Contact the FTC , or your state's attorney general .More items...?

Yes, you may be able to sue a debt collector or a debt collection agency if it engages in abusive, deceptive, or unfair behavior. A debt collector is generally someone who buys a debt from a creditor who, for whatever reason, has been unable to collect from a consumer.

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.

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.

Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

More info

A consumer collection agency, or debt collector, is any person who regularlymisrepresent the character, amount or legal status of your debt or any ... Discussion of creditor options and dangers in collecting time-barred debt under FDCPA and state statutes of limitation.By J Dreyer ? or falsely provides an inaccurate valuation on the appraisal with the intent to mislead a third party. DEBT ELIMINATION SCHEME. Debt elimination schemes are ... (1967); North Carolina, North Carolina Collection Agency Act, N.C. Gen.n. Falsely represent the character, amount, or legal status of Debts or services. A debt collector is any person, other than the creditor, who regularly collects debts owed to others. This includes attorneys who collect debts on a regular ... (A) The character, amount, or legal status of a debt; or(h) The false representation that collection letters, notices or other printed forms are being ... Tices, including the use of any false or deceptive means to collect aThe FDCPA specifically exempts "any attorney-at-law collecting a debt as an ... I. 12.1 Consumer Fraud and Deceptive Business Practices Act. A. 12.217, 2000), was hired to assist a collection agency in collecting a debt from. The federal Fair Debt Collection Practices Act (FDCPA) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. North Carolina Debt Collection Act, N.C.G.S. § 75-50 et seq., the NorthThis is a class action on behalf of all tenants of any North Carolina apartment.

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North Carolina Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing the Character, Amount, or Legal Status of any Debt