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Notice to Debt Collector - Falsely Representing a Debt

Notice to Debt Collector - Falsely Representing a Debt 2025

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The document outlines the process for addressing violations of Section 807 of the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using false or misleading representations in debt collection. It provides a template for notifying a debt collector of such violations, including steps to take after the first and second violations, and emphasizes the importance of documenting complaints to authorities like the FTC and state attorney general.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What evidence does a debt collector need?

Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. If the debt collector cant provide you with that proof, it will never bother you again.

Does a debt collector have to show proof of debt?

If you dispute the debt, make a copy of your written dispute and send the original to the debt collector. Its also generally a good idea to send the dispute by certified mail. If you pay for a return receipt, youll have proof the debt collector received your mail.

What is the 777 rule with debt collectors?

A copy of the original credit card agreement with your signature. Account statements showing the debt amount, including charges, payments and interest. Documentation showing the collectors right to pursue the debt. Records demonstrating the chain of ownership if the debt has been sold.

Does a debt collection agency have to prove you owe the debt?

Its important to note that the debt collector is not required to provide proof of debt unless the consumer requests it in writing within the 30-day period following the initial communication.