West Virginia Code § 46B-4-7

Fraudulent, deceptive or misleading representations
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No debt collector shall use any fraudulent, deceptive or misleading representation or means
to collect or attempt to collect claims or to obtain information concerning consumers.
Without limiting the general application of the foregoing, the following conduct is deemed to
violate this section:
(1) The use of any business, company or organization name while engaged in the collection
of claims, other than the true name of the debt collector's business, company or
organization;
(2) The failure to clearly disclose in all communications made to collect or attempt to collect
a claim or to obtain or attempt to obtain information about a consumer, that the debt
collector is attempting to collect a claim and that any information obtained will be used for
that purpose;
(3) Any false representation that the debt collectorl has in his possession information or
something of value for the consumer that is msade to solicit or discover information about the
consumer;
(4) The failure to clearly disclose the name and full business address of the person to whom
the claim has been assigned for collection, or to whom the claim is owed, at the time of
making any demand for money;
(5) Any false representation or implication of the character, extent or amount of a claim
against a consumer or of its status in any legal proceeding;
(6) Any false represe ntation or false implication that any debt collector is vouched for,
bonded by, afVfiliated with or an instrumentality, agent or official of this state or any agency
of the federal, state or local government;
(7) The use or distribution or sale of any written communication which simulates or is falsely
represented to be a document authorized, issued or approved by a court, an official or any
other legally constituted or authorized authority, or which creates a false impression about
its source, authorization or approval;
(8) Any representation that an existing obligation of the consumer may be increased by the
addition of attorney's fees, investigation fees, service fees or any other fees or charges when
in fact such fees or charges may not legally be added to the existing obligation; and
(9) Any false representation or false impression about the status or true nature of or the
services rendered by the debt collector or his business.

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