FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
MICHIGAN
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA and Michigan Collection Practices Violation Demand
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Michigan 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)
Michigan Collection Practices Act (MCL Section 445.252):
☐ Harassment or threats (Section 445.252(a))
☐ Unfair practices (Section 445.252(b)-(f))
☐ Fraudulent or deceptive conduct (Section 445.252(g))
Michigan Consumer Protection Act (MCL Section 445.903):
☐ Unfair, unconscionable, or deceptive trade practices
II. MICHIGAN LEGAL FRAMEWORK
Michigan Collection Practices Act
MCL Section 445.252 prohibits:
- Harassing, oppressive, or abusive conduct
- False representation of legal action
- Unauthorized practice of law
- Obscene or profane language
- Publication of debt information
- Fraudulent or deceptive conduct
Michigan Consumer Protection Act
MCL Section 445.903 lists specific unfair trade practices applicable to debt collection.
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]
[MICHIGAN BAR NUMBER]
MICHIGAN-SPECIFIC REFERENCE
| Element | Michigan Law |
|---|---|
| Collection Practices Act | MCL Section 445.251 et seq. |
| Consumer Protection Act | MCL Section 445.901 et seq. |
| State Enforcement | Michigan AG |
Consult a Michigan-licensed attorney before use.