Oregon Notice of Violation of Fair Debt Act - Improper Document Appearance
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How to fill out Notice Of Violation Of Fair Debt Act - Improper Document Appearance?
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FAQ
The FDCPA prohibits debt collectors from publicizing your debts. That means they can't call your boss and say you're $11,000 upside down on your car and haven't made a payment in months. They can call you at work, but they can't identify themselves as a debt collector to the person answering the phone.
§ 807. (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.
Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation the collector may receive for collecting the debt. Falsely represent or imply that the collector is an attorney or that communications are from an attorney.
Ten Things Bill Collectors Don't Want You to Know The More You Pay, the More They Earn. Payment Deadlines Are Phony. The Don't Need a 'Financial Statement' The Threats Are Inflated. You Can Stop Their Calls. They Can Find Out How Much You Have in the Bank. If You're Out of State, They're Out of Luck. They Can't Take It All.
Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.
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.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.