North Carolina Notice to Debt Collector - Use of False Threats

State:
Multi-State
Control #:
US-DCPA-38
Format:
Word; 
Rich Text
Instant download

Description

Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a debt. This includes threatening to take action the debt collector can not legally take or does not intend to take.

Wording possibly constituting a threat includes:

  • Stating an action is a possibility.
  • Stating that legal action has been recommended.
  • Representing that a third party will take action.

    Examples of permissible actions a debt collector may not take unless they intend to do so:

  • Taking criminal action such as reporting a dishonored check.
  • Attaching a consumers tax refund.
  • Reporting a debt to a credit bureau.
  • Bringing legal action.

    Examples of impermissible actions:

  • Contacting the consumers employer or other third party for a purpose other than obtaining location information.
  • Advising the creditor to sue where such advice would violate the states rules against the unauthorized practice of law.
  • Threatening to sue where the states rules forbid a debt collector from suing in their own name without first obtaining a formal assignment from the owner of the debt and that assignment has not been made.

    Lack of intent may be inferred if the amount of the debt is too small for the action to be feasible or when the debt collector has threatened an action their employer or the original creditor has not authorized them to take.

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    FAQ

    Yes. The federal Fair Debt Collection Practices Act specifically gives you the right to sue a debt collector for harassment. If a debt collector is found to have engaged in harassing behavior, you are entitled to up to $1,000 in damages, along with court costs and attorney fees.

    The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language.

    Even if you do, debt collectors aren't allowed to threaten, harass, or publicly shame you. You can order them to stop contacting you.

    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).

    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.

    The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

    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.

    Write a dispute letter and send it to each credit bureau. Include information about each of the disputed itemsaccount numbers, listed amounts and creditor names. Write a similar letter to each collection agency, asking them to remove the error from your credit reports.

    Harassment and Call Restrictions 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.

    More info

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    North Carolina Notice to Debt Collector - Use of False Threats