Initial Debt Collection Letter Fair Debt Collection Act Minnesota
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Description initial notice form
The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. Also, certain false or misleading representa¬tions are forbidden, such as representing that the debt collector is associated with the state or federal government, or stating that the debtor will go to jail if he does not pay the debt. This Act also sets out strict rules regarding communicating with the debtor.
The FDCPA applies only to those who regularly engage in the business of collecting debts for others -- primarily to collection agencies. The Act does not apply when a creditor attempts to collect debts owed to it by directly contacting the debtors. It applies only to the collection of consumer debts and does not apply to the collection of commercial debts. Consumer debts are debts for personal, home, or family purposes.
- View Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor
- View Letter Informing Debt Collector to only Communicate with Debtor in Writing at Debtor's Home Address
- View Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment
- View Letter Informing Debt Collector that Debtor is Represented by an Attorney
- View Letter Informing to Debt Collector to Cease Communications with Debtor
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