Under the Fair Debt Collection Practices Act, debt collectors must cease all contact with you once you request in writing that they do so. Telling a debt collector to stop calling you must be done in writing to be valid – verbal requests are not good enough.
This sample letter, which you should modify to include your name, address, and account information to help the debt collection agent properly mark your file, should be sent by certified mail, return receipt requested. Once you receive the green card back from the U.S. Postal Service, this will prove that the letter was received.
Keep a copy of the signed letter that you sent, and keep it with the green return receipt.
If a debt collector contacts you after receipt of your written demand to cease contact, you may be able to sue for money as a violation of the debt collection laws. Get in touch with me to talk about your options if the debt collection companies step over the line.
This letter does not serve as a request for validation of the debt under the Fair Debt Collection Practices Act, nor is it a dispute letter.
DATE OF LETTER
Via Certified Mail, Return Receipt Requested
NAME OF DEBT COLLECTION AGENCY
ADDRESS OF DEBT COLLECTION AGENCY
Re: My Name: YOUR FULL NAME
Reference Number: REFERENCE NUMBER ON DEBT COLLECTOR’S LETTER
To Whom It May Concern:
I am sending this letter to you in response to a demand for payment made by your company. This letter is a notice sent pursuant to the Fair Debt Collection Practices Act that you are no longer permitted to contact me.
Please cease all telephone communications with me regarding this debt. Do not call my residence, place of employment, or any other phone number associated with my name. Any prior authorization permitting you to contact me by text message, email or cell phone is specifically withdrawn as well.
I look forward to your prompt attention to this matter, and thank you in advance.
YOUR FULL NAME
Certified Mail Receipt Number: RECEIPT NUMBER
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