Sample Letter 8d to Debt Collector:
Unlawful contact by postcard
Certified Mail No. ______________
Return Receipt Requested
Name of Owner (or Manager)
Debt Collection Agency
City, State, Zip Code
Re: Account of [your name]; Account Number ______________
Dear [Name of Owner or Manager]:
The purpose of this letter is to make a formal complaint against your agency for debt collection activities in violation of the Fair Debt Collection Practices Act. Specifically, last week I received a postcard that revealed both the amount of the debt that I owed and its delinquent status.
The Fair Debt Collection Practices Act states specifically that communicating with a consumer regarding a debt by post card is not allowed.
If this behavior continues, I will report your firm to the FTC, ConsumerFinance.gov and my state's Attorney General's Office, and explore all legal remedies available to me under the FDCPA.