FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
IOWA
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Iowa Debt Collection Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], an Iowa resident.
I. VIOLATIONS IDENTIFIED
Federal FDCPA Violations:
☐ Validation notice failure (15 U.S.C. Section 1692g)
☐ False representations (15 U.S.C. Section 1692e)
☐ Unfair practices (15 U.S.C. Section 1692f)
☐ Harassment (15 U.S.C. Section 1692d)
Iowa Debt Collection Practices (Iowa Code Section 537.7103):
☐ Violation of specified debt collection practices
☐ Prohibited conduct in consumer credit transactions
II. LEGAL FRAMEWORK
Iowa Consumer Credit Code
Iowa Code Chapter 537 governs consumer credit transactions including debt collection. Section 537.7103 incorporates debt collection standards.
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Actual Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[IOWA BAR NUMBER]
IOWA-SPECIFIC REFERENCE
| Element | Iowa Law |
|---|---|
| Consumer Credit Code | Iowa Code Chapter 537 |
| Debt Collection | Iowa Code Section 537.7103 |
| State Enforcement | Iowa AG |
Consult an Iowa-licensed attorney before use.