FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
KENTUCKY
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Kentucky CPA Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Kentucky 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)
Kentucky Consumer Protection Act (KRS Section 367.170):
☐ Unfair, false, misleading, or deceptive acts or practices
II. LEGAL FRAMEWORK
Kentucky Consumer Protection Act
KRS Section 367.170 prohibits unfair, false, misleading, or deceptive acts or practices in the conduct of trade or commerce.
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]
[KENTUCKY BAR NUMBER]
KENTUCKY-SPECIFIC REFERENCE
| Element | Kentucky Law |
|---|---|
| Consumer Protection Act | KRS Section 367.110 et seq. |
| State Enforcement | Kentucky AG |
Consult a Kentucky-licensed attorney before use.