Stop Debt Collectors from Calling You.
You are home trying to relax, but debt collectors are calling you every single day trying to demand payment of a debt. You try to ignore the calls, but they keep persisting, sometimes calling you alot in one day. You want to put a stop to this because these debt collectors are being relentless and are now harassing you and your family for a few weeks and months now. This is stressing you out amongst other problems you may have going on in your life, and you want to put a stop to the harassing phone calls from these debt collectors.
Well, you can send a letter to these debt collectors to ‘cease’ communication. What does this mean? Well, according to the Fair Debt Collection Practices Act (FDCPA):
“If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except— (1) to advise the consumer that the debt collector’s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or § 805 15 USC 1692c (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.”
So, copy the sample Stop Debt Collectors Calling Letter below, then paste it in your favorite text editor or wordprocessor, and tweak it to suit your situation.
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Today’s Date
Your Name
Street Address
City, State, Zip
Collector’s Name
Collector’s Address
City, State, Zip
Mr./Ms. Debt Collector,
I am writing in response to your persistent and ongoing phone calls!
According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location!
In accordance with the federal FDCPA, now that you have received this “stop calling” letter, you may only contact me to inform me that you:
* are terminating further collection efforts;
* invoking specified remedies which are ordinarily invoked by you or your company; or
* intend to invoke a specified remedy.
Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805(b)2 of the FDCPA.
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me I will pursue all available legal actions to stop you from harassing me and my family.
Your Signature Above Your Printed Name
Your Printed Name
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Note:** Make sure you send your Stop Debt Collectors from Calling You Letter by “registered mail/return receipt requested”. Also, make a copy of the letter and keep it for your records.
Posted under debt collectors, sample credit repair letters
This post was written by fixbadcredit
