North Las Vegas Nevada Notice to Debt Collector - Use of False Threats

State:
Multi-State
City:
North Las Vegas
Control #:
US-DCPA-38
Format:
Word; 
Rich Text
Instant download

Description

Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a debt. This includes threatening to take action the debt collector can not legally take or does not intend to take.

Wording possibly constituting a threat includes:

  • Stating an action is a possibility.
  • Stating that legal action has been recommended.
  • Representing that a third party will take action.

    Examples of permissible actions a debt collector may not take unless they intend to do so:

  • Taking criminal action such as reporting a dishonored check.
  • Attaching a consumers tax refund.
  • Reporting a debt to a credit bureau.
  • Bringing legal action.

    Examples of impermissible actions:

  • Contacting the consumers employer or other third party for a purpose other than obtaining location information.
  • Advising the creditor to sue where such advice would violate the states rules against the unauthorized practice of law.
  • Threatening to sue where the states rules forbid a debt collector from suing in their own name without first obtaining a formal assignment from the owner of the debt and that assignment has not been made.

    Lack of intent may be inferred if the amount of the debt is too small for the action to be feasible or when the debt collector has threatened an action their employer or the original creditor has not authorized them to take.

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    FAQ

    What are the median and average incomes in North Las Vegas? Y-o-Y Change Average Household Income $78,202 6.5% Median Household Income $64,738 6.2% People below Poverty Level 32,413 6.5% People above Poverty Level 220,455 4.6%

    The 5 largest ethnic groups in Las Vegas, NV are White (Non-Hispanic) (42.1%), White (Hispanic) (13.4%), Other (Hispanic) (12.6%), Black or African American (Non-Hispanic) (11.1%), and Two+ (Hispanic) (6.62%).

    Cost of Living in North Las Vegas, NV However, North Las Vegas is a bit more expensive than the national average. ing to bestplaces.net, the cost-of-living index in North Las Vegas is 109.9 (national average is 100).

    The 5 largest ethnic groups in North Las Vegas, NV are White (Non-Hispanic) (24%), Black or African American (Non-Hispanic) (21.3%), White (Hispanic) (18.9%), Other (Hispanic) (13.1%), and Two+ (Hispanic) (8.65%).

    Las Vegas Demographics White: 52.01% Two or more races: 13.91% Other race: 13.52% Black or African American: 11.76%

    North Las Vegas isn't just the northern part of Las Vegas; it's its own city. In fact, with a population of more than 250,000 residents, it's the fourth largest city in the state of Nevada.

    Since its 2003 opening in the heart of North Las Vegas, Cannery Hotel has become the preferred choice for local and regional residents seeking gaming fun, comfortable accommodations, superb dining, and exhilarating entertainment.

    North Las Vegas Demographics White: 38.09% Black or African American: 22.05% North Las Vegas, Nevada Population 2024 worldpopulationreview.com ? us-cities ? north-las... worldpopulationreview.com ? us-cities ? north-las...

    Option for those looking for a good quality of life. And a lower cost of living North Las Vegas isMoreOption for those looking for a good quality of life. And a lower cost of living North Las Vegas is one of the most affordable places to live in the entire Las Vegas area. Making it a very attractive.

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    North Las Vegas Nevada Notice to Debt Collector - Use of False Threats