FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
MISSISSIPPI
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA Violation Demand - Mississippi Consumer
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Mississippi 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)
Mississippi Consumer Protection Act (Miss. Code Ann. Section 75-24-5):
☐ Unfair or deceptive trade practices
II. MISSISSIPPI NOTE
Mississippi prohibits telemarketing calls on state holidays. Mississippi relies primarily on federal FDCPA for debt collection regulation.
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]
[MISSISSIPPI BAR NUMBER]
MISSISSIPPI-SPECIFIC REFERENCE
| Element | Mississippi Law |
|---|---|
| Consumer Protection Act | Miss. Code Ann. Section 75-24-1 et seq. |
| Holiday Calling | Restricted on state holidays |
| State Enforcement | Mississippi AG |
Consult a Mississippi-licensed attorney before use.