Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unlawful, Deceptive, and Unfair Debt Collection Practices Immediate Cease and Desist Demand Accounts : XXXX, XXXX To Whom It May Concern, This letter serves as formal notice that your company is engaging in deceptive and unfair debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692e ) and other consumer protection laws. Your continued attempts to collect on an alleged account in my name are misleading and legally indefensible. If you do not immediately cease collection efforts and remove my personal information from your records, I will escalate this matter to the Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for an investigation into your long-standing pattern of illegal debt collection in Florida. 

1. Deceptive and Unfair Practices Failure to Disclose Attorney Involvement ( 15 U.S. Code 1692e ( 3 ) ) Your initial communication fails to disclose that your company is a law firm. Instead, it presents RAS LaVrar , LLC as a generic debt collection agency, misleading me as to the true nature of the communication. Under 15 U.S.C. 1692e ( 3 ), debt collectors may not falsely imply that an attorney isor is notinvolved in a case. A law firm engaging in debt collection must clearly disclose its legal status so that consumers fully understand the implications of such contact. 

Furthermore, your company later had attorneys sign and send debt verification letters and CFPB complaint responses, despite never intending to pursue a legal suit. This misrepresentation of legal involvement is a blatant attempt to pressure consumers under false pretenses and constitutes a violation of the FDCPAs prohibition on deceptive and unfair practices. 

2. Misleading Representation of Legal Action ( 15 U.S. Code 1692e ( 5 ) ) Your communication references attorney review of my alleged account, yet no actual legal action has been takenor was ever intended. Under 15 U.S. Code 1692e ( 5 ), debt collectors may not threaten or imply legal action unless they actually intend to follow through. Your companys deliberate use of attorney involvement to intimidate consumers into payment is a clear violation of this provision.

3. Unclear and Deceptive Account Reference Is There Even a Debt? 

Your letter fails to mention a specific debt and instead vaguely refers to an account. This deliberate omission raises serious legal questions : Are you attempting to collect a valid debt, or are you deceptively using vague language to coerce a payment? 

What basis do you have for attempting to collect on this account if you can not confirm it is an enforceable debt? 

This lack of transparency is a deceptive and unfair practice under federal law. If your company can not establish the legitimacy of the alleged debt, you have no legal right to collect it, and any further attempts to do so would constitute an additional violation of consumer protection statutes. 

4. Denial of Monthly Statements as Valid Debt Verification I categorically reject the notion that the monthly statements your company has provided constitute valid debt verification under federal law. Under the FDCPA, a debt collector must provide clear, accurate, and legally sufficient verification of a debt, including a valid chain of assignment and proof of legal authority to collect. Simply sending a recycled statement from the original creditor does not meet the legal standard for verification. 

Your company has failed to provide any documentation proving you have the legal right to collect this debt. 

You have not produced a signed agreement, contract, or valid assignment of debt showing I owe this amount to RAS LaVrar , LLC. 

You have provided no evidence that this debt is legally enforceable or that you have proper authorization from the original creditor to collect. 

Attempting to pass off generic account statements as legally sufficient validation is yet another deceptive and unfair collection tactic in violation of federal law. 

5. Failure to Provide Proper Chain of Assignment Unauthorized Collection Attempts Your company has failed to provide any proper chain of assignment proving you are legally authorized to collect this debt. You claim to be retained on behalf of XXXX XXXX, yet you have provided XXXX documentation proving that XXXX has legally assigned or transferred any rights to RAS LaVrar , LLC to collect from me. 

Under federal and state law, a debt collector must have clear and documented authority to pursue collection. Since you have failed to demonstrate any legal standing, your actions constitute yet another deceptive and unfair collection practice under the FDCPA. 

6. Illegal Debt Collection in Florida Unlicensed Debt Collection Activities Your company is engaging in illegal, unlicensed debt collection in Florida. The Office of Financial Regulation ( OFR ) requires all entities engaging in debt collection activities within the state to be properly licensed. Since RAS LaVrar , LLC is not licensed to operate as a debt collector in Florida, you are unlawfully attempting to collect a debt without legal authorization. 

If your company does not immediately cease collection efforts and remove my information from your system, I will file a formal complaint with the Florida Attorney General, and the FTC, demanding a full investigation into your business practices and seeking maximum statutory penalties for your violations. 

Demand for Immediate Action To resolve this matter, I demand the following immediate actions : 1. Cease all collection activity related to this alleged accounts Close accounts down at Your office immediately and remove debt from my name Accounts : XXXX, XXXX XXXX. Permanently remove my personal information from your records. 

3. Provide written confirmation that you have ceased all collection attempts and closed this matter. 

Failure to comply with these demands will result in formal complaints with the Attorney General, and FTC, as well as potential legal action against your company for its deceptive and unfair debt collection practices. 

RAS LaVrar , LLC has been actively registered as a XXXX XXXXXXXX XXXX XXXX since XX/XX/XXXX under Document Number XXXX. Despite engaging in debt collection activities, there is no record of the company ever being licensed with the Florida Office of Financial Regulation ( OFR ) as required by law. The company has operated for nearly a decade without proper licensing, and any attempt to register belatedly in XXXX will not erase its long history of unlicensed and unlawful debt collection in Florida. 


I expect a written response within 15 days of receipt of this letter.