Ezel / Ethics Opinions / NYSBA
NYSBA 2007-05-07

Can a lawyer use law firm letterhead when collecting debts, both as a lawyer for a creditor and when running debt collection as a non-legal service?

Short answer: It depends on the role. The committee concludes a lawyer representing clients as a lawyer in collecting debts may use law firm letterhead, but a lawyer offering debt collection as a non-legal service may not, because it would suggest legal services.
Currency note: this opinion is from 2007
Subsequent statutory amendments, court decisions, or later opinions or rule amendments may have changed the analysis. Treat this page as historical context, not current legal advice. Verify current law before relying on any specific rule, deadline, or remedy mentioned here.
Disclaimer: Advisory only. Not binding precedent.
About this page: The plain-English summary, reader guidance, and Q&A below were written by Ezel based on the official ethics opinion. The original opinion (linked at the bottom of this page) is the authoritative source for any reliance.

NY State Bar Ethics Opinion 813: Law firm letterhead in debt collection

Short answer: A lawyer who represents clients as a lawyer in collecting debts may use law firm letterhead, but a lawyer who offers debt collection as a non-legal service may not, because using the letterhead would suggest the lawyer is providing legal services.

Disclaimer: This is an advisory ethics opinion. Advisory opinions are not binding; they interpret the New York State Bar Association's rules of professional conduct and are persuasive authority. This summary is for research purposes only and is not legal advice. Verify current rules before acting on any specific guidance.

About this page: The plain-English summary and Q&A below were written by Ezel based on the official opinion. We do not reproduce the opinion text on this page; follow the linked source for the official text, which controls.

View original opinion

Plain-English summary

A New York lawyer retained by several in-state and out-of-state debt collection agencies, who hired agency employees to help prepare letters to debtors, asked whether the lawyer may use the lawyer's letterhead in sending those letters. Clarifying N.Y. State 803 (2006), the committee distinguishes by the capacity in which the lawyer acts.

Where the lawyer acts as a lawyer, representing clients in collecting debts, the committee sees no impediment in the New York Code to using law office letterhead, assuming no other jurisdiction's rules are violated. The earlier N.Y. State 803 addressed a different situation: a lawyer offering debt collection as a non-legal service outside New York, where the lawyer was not admitted and was not practicing law. That opinion focused on DR 1-106(A) (a firm offering both legal and non-legal services must advise the client in writing that the attorney-client protection does not apply to the non-legal services) and on DR 1-102(A)(4)'s bar on dishonesty and misrepresentation. It held that in the non-legal-service mode the firm may not use law firm letterhead with debtors, because doing so would suggest the firm or its representatives are functioning as lawyers representing the creditor.

The committee concludes the line turns on whether the activity is legal or non-legal: legal representation in collecting a debt may carry firm letterhead; debt collection offered as a non-legal service (where permitted) may not, to avoid misleading debtors into thinking they are dealing with lawyers providing legal services.

In practice

The opinion holds, under the former Code as it stood at the time, that the propriety of law firm letterhead in debt collection depends on the lawyer's capacity. Acting as a lawyer representing a creditor, the lawyer may use firm letterhead (absent another jurisdiction's contrary rule). Offering debt collection as a non-legal service under DR 1-106, the lawyer may not use firm letterhead, because under DR 1-102(A)(4) it would mislead debtors into believing the firm is providing legal services.

Common questions

Q: Can a lawyer use law firm letterhead when collecting a debt for a client?

A: Yes, when acting as a lawyer. The committee concludes the New York Code does not prevent a lawyer who represents clients as a lawyer in collecting a debt from using law firm letterhead, assuming no other jurisdiction's rules are violated.

Q: Can a lawyer use firm letterhead when running debt collection as a non-legal service?

A: No. The committee concludes that a lawyer offering debt collection as a non-legal service should not use law firm letterhead, because under DR 1-102(A)(4) it would suggest the lawyer is offering legal services and mislead debtors.

Background and rules framework

The opinion interprets DR 1-106(A) (a firm offering both legal and non-legal services, the area of ABA Model Rule 5.7) and DR 1-102(A)(4) (dishonesty, fraud, deceit, or misrepresentation, the area of ABA Model Rule 8.4(c)), clarifying N.Y. State 803 (2006), and references EC 3-6 on delegating tasks to non-lawyers under a lawyer's supervision.

Citations and references

Rules of Professional Conduct:

  • MR 5.7 (responsibilities regarding law-related services); MR 8.4 (misconduct, dishonesty)
  • Former Code DR 1-106(A); DR 1-102(A)(4); EC 3-6

Other opinions cited:

  • N.Y. State 803 (2006): clarified, no law firm letterhead when offering debt collection as a non-legal service

See also

Source