Quote:
Originally Posted by RWebb
Fair Debt Collection Practices Act (FDCPA) which clearly regulates the type of letters and the language that collection agents can use. Section 807 explains what collectors can and cannot do and provides sixteen specific examples of false or misleading tactics. Bill collectors face fines up to $1,000 per violation and, if you or your reputation are damaged, the FDCPA allows for punitive damages as well.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. If you damage my credit rating, I may seek punitive damages.
- can add this to your letter
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Good stuff. I think it would be a mistake to come across to them as a lawyer, but know ing my rights sure helps. Thanks.