Posts Tagged ‘fair debt collection practices’
Free Sample Letter Complaining of Unfair Debt Collection Practices
November 7th, 2009
One day you may be faced with having to deal with unfair debt collection practices. When that happens, you will want to write a letter complaining about unfair debt collection practices. We have provided a free sample letter complaining of unfair debt collection practices for you.
What does a letter complaining of unfair debt collection practices contain?
The free sample letter complaining of unfair debt collection practices contains:
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your name and address
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name and address of creditor and/or collection agency
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date
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statement informing them that they have violated the Fair Debt Collection Practices Act.
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date of incidence
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what happened
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formal request for them to change their practices
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statement informing them that you are forwarding the letter complaining of unfair debt collection practices to the Federal Trade Commission and the state Attorney General.
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sign
| ________________________ (your name and address) ________________________ ________________________ ________________________ (name & address of __________ (date) Dear Sir or Madam: I am writing to inform you that your agency / company violated the Fair Debt Collection Practices Act, a federal law, in your dealings with me. The incident(s) occurred on ________________ and was/were as follows: ____________________________________________________ ____________________________________________________ ____________________________________________________ ____________________________________________________ I am requesting that you take steps to change your practices. I am also forwarding a copy of this letter to the Federal Trade Commission and the state Attorney General. Sincerely, ____________(sign and print your name) cc. Federal Trade Commission |
The above letter is a free sample letter complaining of unfair debt collection practices. You can modify this free sample letter complaining of unfair debt collection practices to suit your credit dispute purposes. There are also other free sample Credit Repair letters available on various sections of our Repair Credit Score website.
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Fair Debt Collection Practices Act
September 11th, 2009
The Fair Debt Collection Practices Act is an amendment to the Consumer Credit Protection Act. The Fair Debt Collection Practices Act helps consumers deal with collection agencies.
What is the purpose of the Fair Debt Collection Practices Act? What does the Fair Debt Collection Practices Act do?
The Fair Debt Collection Practices Act was created to prevent abusive collection practices by third party collectors and to endorse consistent actions by states in order to protect consumers' rights.
In addition to the above, the Fair Debt Collection Practices Act was also designed to provent any debt collecting agencies that do not employ abusing collection strategies from being penalized or placed at a competitive disadvantaged to those debt collection agencies that do use them.
Implications of the Fair Debt Collections Practices Act
Debt collectors that are legitimately locating an alleged debtor must comply with the Fair Debt Collection Practices Act rules. For example, under the Fair Debt Collections Practices Act, debt collectors must property identify himself or herself that he or she is the debt collector and advise the party they are communicating with that this is an attempt to verify the address of the alleged debtor. If called for, the debt collector must provide the name of his or her company. The debt collector must not reveal that the consumer being asked about owes a debt.
Communicating with the debt collector under the Fair Debt Collection Practice Act
Under the Fair Debt Collection Practice Act, when communicating with the debt collector, the debt collector must comply with certail guidelines. Section 604 of the Fair Debt Collection Practices Act lists the guidelines which the debt collector must comply when communicating with the alleged debtor. Also, unless the debt collector is given permission by the court, the debt collecor may not call a debtor before 8am and after 9pm in the debtor's time zone.