FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
IDAHO
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA Violation Demand - Idaho Consumer
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER IF KNOWN]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], an Idaho 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)
Idaho Consumer Protection Act (Idaho Code Section 48-603):
☐ Unfair methods of competition
☐ Unfair or deceptive acts or practices
Idaho Collection Agency Act (Idaho Code Section 26-2229):
☐ Unlicensed collection activity
☐ Prohibited collection practices
II. LEGAL FRAMEWORK
Idaho Consumer Protection Act
Idaho Code Section 48-603 prohibits unfair methods of competition and unfair or deceptive acts or practices.
Idaho Collection Agency Licensing
Idaho Code Section 26-2222 et seq. requires collection agencies to be licensed by the Idaho Department of Finance.
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]
[IDAHO BAR NUMBER]
IDAHO-SPECIFIC REFERENCE
| Element | Idaho Law |
|---|---|
| Consumer Protection Act | Idaho Code Section 48-601 et seq. |
| Collection Agency Licensing | Idaho Code Section 26-2222 et seq. |
| State Enforcement | Idaho AG |
Consult an Idaho-licensed attorney before use.