Legal Collection Letter Template for United States

Fair Debt Collection Practices Act (FDCPA): Federal law that regulates debt collection practices, prohibits harassment and false statements, sets requirements for debt validation notices, establishes rules about communication times and methods, and mandates specific disclosures

Federal Trade Commission (FTC) Guidelines: Federal guidelines that establish requirements for clear and accurate communication, prohibit deceptive practices, and set rules about debt collection representations

State-Specific Collection Laws: Individual state regulations that may include specific disclosures, time limitations, and licensing requirements for collection agencies, varying by jurisdiction

Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulations providing oversight of debt collection practices, including rules about electronic communications and requirements for dispute resolution

Fair Credit Reporting Act (FCRA): Federal law governing credit reporting, including rules about accuracy in reporting and procedures for handling disputes in debt collection

State Statute of Limitations: State-specific time limits for debt collection, including varying periods depending on type of debt and rules about restarting the limitation period

Bankruptcy Code: Federal regulations governing collection from bankrupt debtors, including automatic stay provisions, discharge regulations, and special collection rules