Legal Disclaimer Statement

A Legal Disclaimer Statement is a written notice that is included in a communication or document related to debt collection, such as a demand letter, settlement offer, or payment agreement, to clarify the legal rights and responsibilities of the parties involved. The disclaimer typically includes language that states that the communication is an attempt to collect a debt and that any information obtained will be used for that purpose, as required by the Fair Debt Collection Practices Act (FDCPA). The disclaimer may also include statements that the communication is not intended to be a threat of legal action, that the debtor has the right to dispute the debt or request verification, and that the debtor may have additional rights under state or federal law. The purpose of a Legal Disclaimer Statement is to ensure that the communication complies with legal and regulatory requirements, to protect the creditor or collector from liability for improper or deceptive practices, and to inform the debtor of their rights and options. The disclaimer should be clearly and conspicuously displayed in the communication, and should be reviewed and approved by legal counsel.