FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
MISSOURI
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA Violation Demand - Missouri Consumer
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Missouri 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)
II. MISSOURI NOTE
Missouri does not have a comprehensive mini-FDCPA. The Missouri Merchandising Practices Act has limited application to debt collection, with primary enforcement by the AG. Federal FDCPA provides the primary private remedy.
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]
[MISSOURI BAR NUMBER]
MISSOURI-SPECIFIC REFERENCE
| Element | Missouri Law |
|---|---|
| Merchandising Practices Act | Mo. Rev. Stat. Section 407.010 et seq. |
| Private Right of Action | Limited for debt collection |
| State Enforcement | Missouri AG |
Consult a Missouri-licensed attorney before use.