Letter to end all communication

From your post it seems to me that you want a sample Cease and Desist letter. I am giving a sample letter below: -

[quote][Your Name]
[Your Mailing Address]
[Your City/State/Zip]


Certified Mail, Return Receipt Requested # [Insert the Certified Mail Receipt Number here]



[Insert today's Date]


[Insert name of collection agent, if available]
[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]

REF: Account # [Insert either the original account number or the collection agency's account reference number here]

Dear [Insert name of debt collector calling--if available--here]:

You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the [Insert your home state here] Attorney General's office. I will pursue all criminal and civil claims against you and your company.

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.

Give this matter the attention it deserves!

And have a nice day.[/quote]

You can find more such letters in http://www.debtconsolidationcare.com/letters/ .

Regards,

Phoenix

Hi nicole, it would be better if you send them the DV letter prior to the C&D letter.

According to the fdcpa, the collector can't call you at work and can only call you during the time stated in the law. Thus, they're actually violating the FDCPA laws by calling you at work.

The validation of debt letter will stop any kind of collection effort form their part till they don't respond to the letter.

What times are they allowed to call you? And how many times is considered harrasment for them to call you a day? I have some they will call up to 5-6 times a day and it's just a recording?

Does that work the same if it is the original creditor calling to collect?

NO the fdcpa on refers to 3rd Party. However some state laws are stricter than other regarding collection , even with original creditors.

A debt collector calls place of employment work after you tell the collector not to call your work. That still applies to original creditors.