FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
LOUISIANA
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Louisiana UTPCPL Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Louisiana 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)
Louisiana UTPCPL (La. R.S. 51:1405):
☐ Unfair or deceptive acts or practices in trade or commerce
II. LEGAL FRAMEWORK
Louisiana UTPCPL
La. R.S. 51:1405 prohibits unfair or deceptive acts or practices in the conduct of trade or commerce. Under La. R.S. 51:1409:
- Actual damages recoverable
- Treble damages for knowing/willful violations
- Attorney's fees mandatory
Louisiana Holiday Calling Restrictions
Note: Louisiana prohibits telemarketing calls on Mardi Gras.
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Louisiana Treble Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[LOUISIANA BAR NUMBER]
LOUISIANA-SPECIFIC REFERENCE
| Element | Louisiana Law |
|---|---|
| UTPCPL | La. R.S. 51:1401 et seq. |
| Treble Damages | Yes for willful violations |
| Attorney's Fees | Mandatory |
| Holiday Calling | No calls on Mardi Gras |
Consult a Louisiana-licensed attorney before use.