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."
Title: Nebraska Letter to Inform Debt Collector about Misleading Collection Activity Claiming Affiliation with the United States Introduction: When dealing with debt collectors, it is important to be aware of their actions and ensure that they comply with state and federal laws. In Nebraska, one common violation is a debt collector falsely representing or implying that they are vouched for, bonded by, or affiliated with the United States. This deceptive practice misleads debtors into believing they have the backing or endorsement of a governmental entity. To address this issue, individuals can send a Nebraska Letter informing the debt collector of their false or misleading misrepresentations and requesting immediate corrective action. Content: [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, Zip Code] Subject: False Representation or Implication of Affiliation with the United States Dear [Debt Collection Agency's Name], I am writing to you regarding your recent collection activities related to the alleged debt associated with my account. It has come to my attention that your agency has engaged in false representation or implication that you are vouched for, bonded by, or affiliated with the United States. Such actions mislead debtors and are in violation of state and federal laws. I hereby request that you cease and desist any further false or misleading misrepresentations, either written or verbal, that imply a professional relationship or connection with any United States governmental entity. This includes but is not limited to statements suggesting that your agency has the endorsement, support, or backing of the United States government. Please take note that your agency's actions are in direct contravention of the Fair Debt Collection Practices Act (FD CPA), which prohibits debt collectors from employing deceptive or misleading tactics in their collection activities. Furthermore, Nebraska state law also upholds the same standards of truthfulness and accuracy in debt collection practices. To ensure compliance and avoid any potential legal consequences, I expect your agency to: 1. Immediately desist from making any false or misleading misrepresentations that imply a connection with the United States government in all ongoing and future communication regarding the subject debt. 2. Confirm in writing within 10 business days upon receipt of this letter that you have ceased all false or misleading representations related to affiliations with the United States. 3. Provide me with accurate, complete, and detailed information about the alleged debt and its origin, as required by the FD CPA. Failure to comply with the above request will prompt me to report your agency's illegal practices to the appropriate authorities and pursue all available legal remedies. I trust that you will promptly investigate this matter and take immediate corrective action. Your cooperation in this regard would be greatly appreciated. Please consider this letter as an attempt to resolve the issue informally before any further action becomes necessary. All communication related to this matter should be made in writing and sent to the address above. Thank you for your prompt attention to this serious matter. Sincerely, [Your Name]
