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UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C.
20580
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Division
of Credit Practices
Bureau of Consumer Protection
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May 18, 1994
Donald J. Pavelka, Jr.
Hansen, Engles and Locher, P.C.
800 Exchange Bldg.
1905 Harney Street
Omaha, Nebraska 68102
Dear Mr. Pavelka:
This is in reply to your letter of April 29, 1994 concerning
whether the notice required by Section 809 of the Fair Debt Collection
Practices Act must be included in the initial dunning letter sent
by a debt collector or whether the notice may be provided in a
separate document.
The Act allows the notice to be provided separately within 5
days after the initial communication with the consumer. Providing
the notice on a separate document with the initial demand letter
is also entirely acceptable.
I trust this responds to your question.
Sincerely,
John F. LeFevre
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