Section 807 of the Fair Debt Collection Practices Act (15 USC 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:
"(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney."
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Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt. What is an unfair, deceptive or abusive practice by a debt ... Consumer Financial Protection Bureau (.gov) ? ask-cfpb ? what-i... Consumer Financial Protection Bureau (.gov) ? ask-cfpb ? what-i...
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.
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. Debt Collectors | State of California - Department of Justice ca.gov ? consumers ? general ? debt-collectors ca.gov ? consumers ? general ? debt-collectors
It's very simple: Someone contacts you ? often by phone, but also by text message, fax, mail or email ? and claims that you owe a debt. The debt may be completely , canceled, discharged, forgiven or beyond the period for collection.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
§ 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. Fair Debt Collection Practices Act | Federal Trade Commission ftc.gov ? legal-library ? browse ? rules ? fai... ftc.gov ? legal-library ? browse ? rules ? fai...
The Fair Debt Collection Practices Act (FDCPA), (15 USC 1692 et seq.), which became effective March 20,1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. VII?3 Unfair Deceptive and Abusive Practices - FDCPA - FDIC fdic.gov ? resources ? documents ? vii-3-1 fdic.gov ? resources ? documents ? vii-3-1
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.
