FAIR DEBT COLLECTION PRACTICES ACT VIOLATION DEMAND LETTER
MONTANA
SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED
[DATE]
[DEBT COLLECTOR NAME]
[DEBT COLLECTOR ADDRESS]
[CITY, STATE ZIP]
Re: FDCPA Violation Demand - Montana Consumer
Consumer: [CONSUMER FULL NAME]
Account Number: [ACCOUNT NUMBER]
Dear Sir or Madam:
This law firm represents [CONSUMER FULL NAME], a Montana 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)
Montana Collection Agency Act (MCA Section 31-14-111):
☐ Prohibited collection practices
☐ Violation of licensing requirements
Montana Consumer Protection Act (MCA Section 30-14-103):
☐ Unfair or deceptive acts or practices
II. LEGAL FRAMEWORK
Montana CPA provides minimum damages of $200 for violations. Montana Collection Agency Act requires licensing and prohibits certain practices.
III. DAMAGES
| Category | Amount |
|---|---|
| FDCPA Statutory Damages | Up to $1,000 |
| Montana CPA Minimum | $200 |
| Actual Damages | $[AMOUNT] |
| Attorney's Fees | $[AMOUNT] |
IV. DEMAND
Payment of $[SETTLEMENT DEMAND] within thirty (30) days.
Respectfully submitted,
[LAW FIRM NAME]
[ATTORNEY NAME]
[MONTANA BAR NUMBER]
MONTANA-SPECIFIC REFERENCE
| Element | Montana Law |
|---|---|
| Collection Agency Act | MCA Section 31-14-101 et seq. |
| Consumer Protection Act | MCA Section 30-14-101 et seq. |
| Minimum Damages | $200 under CPA |
| State Enforcement | Montana AG |
Consult a Montana-licensed attorney before use.