A letter from a collection agency to a consumer that gives the impression a lawsuit is about to be brought against the consumer when in fact it will not be brought is not a violation of the Fair Debt Collection Practices Act.

Question

Quizplus · Accepted Answer

The Fair Debt Collection Practices Act prohibits collection agencies from making false or misleading statements, including threats of legal action that will not be taken. Therefore, a letter from a collection agency that gives the impression a lawsuit is about to be brought against the consumer when it will not be brought is a violation of the Fair Debt Collection Practices Act.

A Letter from a Collection Agency to a Consumer That