FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
INDIANA
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Indiana DCSA Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER IF KNOWN]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], an Indiana 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)
Indiana Deceptive Consumer Sales Act (Ind. Code Section 24-5-0.5):
☐ Deceptive acts (Section 24-5-0.5-3)
☐ Uncured deceptive acts
Indiana Collection Agency Licensing (Ind. Code Section 25-11):
☐ Unlicensed collection activity
☐ Prohibited practices
II. LEGAL FRAMEWORK
Indiana Deceptive Consumer Sales Act
Ind. Code Section 24-5-0.5-3 defines deceptive acts including false representations about goods, services, and debts. Under Section 24-5-0.5-4, consumers may recover:
- Treble damages for deceptive acts
- Actual damages for uncured violations
- Attorney's fees
Indiana Collection Agency Requirements
Ind. Code Section 25-11 requires licensing and prohibits certain collection practices.
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Indiana Treble Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[INDIANA BAR NUMBER]
INDIANA-SPECIFIC REFERENCE
| Element | Indiana Law |
|---|---|
| DCSA | Ind. Code Section 24-5-0.5 |
| Collection Agency Licensing | Ind. Code Section 25-11 |
| Treble Damages | Available for deceptive acts |
| State Enforcement | Indiana AG |
Consult an Indiana-licensed attorney before use.