Utah 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
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
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.
Debt collectors cannot make false or misleading statements. For example, they cannot lie about the debt they are collecting or the fact that they are trying to collect debt, and they cannot use words or symbols that falsely make their letters to you seem like they're from an attorney, court, or government agency.
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 enclose a copy of my financial statement. This shows income and expenses for me. You will see from this information that I am unable to make any offer of payment at the moment. I am making every effort to increase my income and will contact you again as soon as my financial circumstances improve.
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.
Contact your creditors immediately; don't wait for them to contact you. Even if your payment history is less than perfect, you will still make better arrangements by being forthright. Explain your current situation. Tell them your family income is reduced and you are not able to keep up with your payments.
However, I feel that it is in our mutual interest for me to decline your generous offer. This has been a difficult decision for me, but I believe it is the appropriate one for my career at this time. I want to thank you for the time and consideration you have extended to me.
Falsely represent or imply that the consumer committed a crime or other conduct to disgrace the consumer. Communicate, or threaten to communicate, credit information that the debt collector knows or should know to be false, including not identifying disputed debts as such.
Refusal-to-pay letters are simple to write. The consumer only needs to send a letter to the debt collector stating something like ?I refuse to pay this debt? with the debt amount and account number listed for reference to eliminate confusion.