FDCPA Violation Demand Letter - Maine

FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER

MAINE

SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

[DATE]

[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]

Re: FDCPA and Maine FDCPA Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]

Dear Sir or Madam:

This law firm represents [CONSUMER FULL NAME], a Maine 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)

Maine Fair Debt Collection Practices Act (32 M.R.S.A. Section 11013):

☐ Harassment or abuse
☐ False or misleading representations
☐ Unfair practices
☐ Violation of consumer rights

Maine UTPA (5 M.R.S.A. Section 207):

☐ Unfair methods of competition
☐ Unfair or deceptive acts or practices

II. MAINE LEGAL FRAMEWORK

Maine Fair Debt Collection Practices Act

32 M.R.S.A. Section 11001 et seq. is Maine's comprehensive mini-FDCPA. Section 11013 prohibits:

• Harassment or abuse
• False or misleading representations
• Unfair practices

Under Section 11054, consumers may recover:

• Actual damages
• $500 per violation
• Attorney's fees (mandatory)
• Costs

Maine Reassigned Numbers Database Requirement

As of 2024/2025, Maine requires telemarketers to consult the Reassigned Numbers Database before placing calls.

III. DAMAGES

IV. DEMAND

Payment of $[SETTLEMENT DEMAND] within thirty (30) days.

Respectfully submitted,

[LAW FIRM NAME]
[ATTORNEY NAME]
[MAINE BAR NUMBER]

MAINE-SPECIFIC REFERENCE

Consult a Maine-licensed attorney before use.