Virginia Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing the Character, Amount, or Legal Status of any Debt

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Multi-State
Control #:
US-DCPA-19.7BG
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Word; 
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Description

Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 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:


"(2) The false representation of . . . the character, amount, or legal status of any debt . . . ."


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FAQ

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been

You can file your dispute through the credit bureaus' website, over the phone or by mail. The easiest and fastest way is to do it online. Whichever route you go, you will have to provide personal information, a description of the information that needs to be corrected, and documentation to back your claim.

(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.

Within 30 days of receiving the written notice of debt, send a written dispute to the debt collection agency. You can use this sample dispute letter (PDF) as a model. Once you dispute the debt, the debt collector must stop all debt collection activities until it sends you verification of the debt.

You can file your dispute through the credit bureaus' website, over the phone or by mail. The easiest and fastest way is to do it online. Whichever route you go, you will have to provide personal information, a description of the information that needs to be corrected, and documentation to back your claim.

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been

To remove the collection account from your credit report early, you can ask a company for a goodwill deletion, but there's no guarantee you'll receive forgiveness. If you have a collection account on your report that's inaccurate or incomplete, dispute it with each credit bureau that lists it on your credit report.

If you have inaccurate or incomplete collection accounts on your credit report, the Fair Credit Reporting Act gives you the power to dispute this information directly with the credit bureaus or creditor. You can send a dispute using the dispute form on each credit bureau's website.

Yes, you may be able to sue a debt collector or a debt collection agency if it engages in abusive, deceptive, or unfair behavior. A debt collector is generally someone who buys a debt from a creditor who, for whatever reason, has been unable to collect from a consumer.

Under the Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681 and following), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

More info

The final rule governs certain activities by debt collectors,falsely representing ?the character, amount, or legal status of any debt. Fair Debt Collection Practices Act. (FDCPA),1 to prescribe Federal rules governing the activities of debt collectors, as that term is ...character, amount, or legal status of any debt.? 15 U.S.C. 1692e(2)(A). A debtThe defendant collecting the debt is a ?debt collector?. By J Dreyer ? This scheme typically involves a borrower who is current on a mortgage loan,Two additional fraud schemes, which are briefly addressed below, are debt ... Robert A. Monteith has practiced debtor/creditor law in Wyoming since graduation from the University of Wyoming, College of Law, in 1981. Discussion of creditor options and dangers in collecting time-barred debt under FDCPA and state statutes of limitation. A consumer collection agency, or debt collector, is any person who regularlymisrepresent the character, amount or legal status of your debt or any ... Introduction to the Fair Debt Collection Practices Act and how it effects a collections practice. The area of collections law is governed by common law, ... Iowa, states: ?This communication is from a debt collector.? Id. Rogers claims that the Letter deceives and misleads consumers in the. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), it is unlawful for any provider of consumer financial ...

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Virginia Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing the Character, Amount, or Legal Status of any Debt