Voilating FDC Letter?

Under the fdcpa, the CA can make one contact after receiving a C&D letter. Calling would not be a violation as you do not know the intent.

Section 805(c) -- Ceasing communication. Once a debt collector receives written notice from a consumer that he or she refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease any further communication with the consumer 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 (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy."

mystic...
did you send a regular certified..the one with green card...or one you have to pay more for?..guaranteed signed delivery and tracking?..am not sure what this is called..
but I know I have read where people send simple certified letters and bad collection companies are smart enough to simply not accept receive or acknowledge these and they never get delivered....(you will get them returned over a month later) ...which I think then plays into your dispute time period...
I'm not sure what this type of certified mail is called but I know it really helps when you pay the extra money and then have proof of exact employee name who accepted the certified letter..the date they received what time etc....it is guaranteed delivery or denial type of thing..I'm sure one of the experts here can advise you of this!