Oregon residents can cite the Unlawful Trade Practices Act (Or. Rev. Stat. § 646.605) alongside FDCPA Section 1692g when disputing Columbia Ultimate.
Private Right of Action
Yes in Oregon
Treble Damages
Not enacted
Auto-Renewal Law
Yes in Oregon
Medical Billing Protection
Yes in Oregon
Or. Rev. Stat. § 646.605 prohibits unfair and deceptive practices in Oregon. You can sue directly.DisputeAI cites this statute automatically in your demand letter.
FDCPA Section 1692g requires Columbia Ultimate to validate the debt within 30 days. Section 1692e prohibits false or misleading representations. Section 1692f prohibits unfair practices. Violations allow statutory damages up to $1,000 plus attorney fees.
AI demand letter citing Or. Rev. Stat. § 646.605 + FDCPA from $4.99