Web Questionnaire Form Step 1 of 2 50% Name(Required) First Last Consumer State Email(Required) Date of Birth YYYY dash MM dash DD Last four of social security number Harassment ViolationsName of company in violation What phone numbers are they calling you from?What is your phone number the agency is reaching you out?Has the agency sent you a letter offering you a chance to fight the validity of the debt in question?NoYes15 U.S. Code 1692g § 809a- Validation of debts the amount of the debt;(2) the name of the creditor to whom the debt is owed;(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 USC 1692e § 807 False or misleading representations (11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. Has the collection agency ever called more than twice in a day?NoYesHiddenFirst Offence - Has the collection agency ever called more than twice in a day? 15 USC 1692D § 806(5) Harassment or abuse Specifically forbids a collector from “causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.” Has the collection agency ever reached out to family or friends and disclosed the nature of the call?NoYesHiddenSecond Offence - Has the collection agency ever reached out to family or friends and disclosed the nature of the call? 15 USC 1692c § 805b Communicating with third parties A debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Has the collection agency ever called your work after asking to not be contacted there?NoYesHiddenThird Offence - Has the collection agency ever called your work after asking to not be contacted there? 15 USC 1692c § 805a - Communication in connection with debt collection Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antemeridian and before 9 o’clock postmeridian, local time at the consumer’s location; (3) at the consumer's place of employment if the debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication. Has the collection agency ever threatened you with court, garnishment of your wages, or threatened to file a judgement against you?NoYesHiddenFourth Offence - Has the collection agency ever threatened you with court, garnishment of your wages, or threatened to file a judgement against you? 15 USC 1692e § 807 False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing (2) The false representation of --(A) the character, amount, or legal status of any debt; or (B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. (3) The false representation or implication that any individual is an attorney or that any communication is from an attorney. (4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. (5) The threat to take any action that cannot legally be taken or that is not intended to be taken. Was the agent unprofessional or rude to you or did they use obscene language?NoYesHiddenFifth Offence - Was the agent unprofessional or rude to you or did they use obscene language? 15 USC 1692d § 806 Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Did the agent with the collector on each call tell you that the line was being recorded and that it was an attempt to collect a debt, and that any information obtained will be used to collect that debt?NoYesHiddenSixth Offence - Did the agent with the collector on each call tell you that the line was being recorded and that it was an attempt to collect a debt, and that any information obtained will be used to collect that debt? 15 USC 1692e § 807 False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing (11)The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
