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Actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take. Debt collectors may not: give false ... By C Stueben · 2010 · Cited by 22 ? collection letter is false, misleading, or deceptive to the least sophisticated consumercannot legally be taken or that is not intended to be taken,".Threatening criminal prosecution and jail time if they do not pay up. But review of company practices has documented that letters often falsely misrepresent. Debt lawsuits frequently end in default judgment, indicating that many people do not respond when sued for a debt. Over the past decade in the ... In addition, this manual focuses on equipping the collections practitioner with a brief introduction to the Fair Debt Collection Practices Act and how it ... A model validation notice that a debt collector could use to complyby taking certain actions to collect a debt that a consumer does not ... Since lenders, loan servicers, credit card companies and debt collectorsto take any action that cannot legally be taken or that is not intended to be ... Consumer would result in a violation of the provision that forbids a debt collector from threatening "'to take action that cannot legally be taken. Such as a bank, collecting its own debt is not categorized as a debtlegal action that is not intended or cannot be taken and threaten arrest or jail. (a) A debt collector may not use a false, deceptive, or misleadingto take an action that cannot legally be taken or that is not intended to be taken;.