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Letter To Stop Debt Collectors Harassment

Letter To Stop Debt Collectors Harassment Template for United States

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Letter To Stop Debt Collectors Harassment

"I need a Letter To Stop Debt Collectors Harassment to address ABC Collections Agency who have been calling me multiple times daily, including at 11 PM, regarding a disputed medical debt from Memorial Hospital, and I want them to only communicate through mail going forward."

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Document background
A Letter To Stop Debt Collectors Harassment is a crucial tool for individuals experiencing aggressive or inappropriate collection practices in the United States. This document becomes necessary when debt collectors engage in harassment, make excessive contact, use threatening language, or violate provisions of the FDCPA. The letter formally invokes federal protections, documents specific instances of harassment, and demands immediate cessation of problematic communication. It serves as both a legal notice and a record of the request, potentially useful in future legal proceedings if harassment continues. The document's effectiveness is backed by federal law, specifically the FDCPA, which requires collectors to honor such requests or face penalties.
Suggested Sections

1. Recipient Information: Full name and address of debt collector

2. Account Information: Account number and any reference numbers related to the debt

3. Formal Cease Request: Clear statement invoking FDCPA rights and demanding cessation of communication

4. Documentation of Harassment: Specific examples of harassing behavior with dates and times

5. Legal Rights Statement: Reference to relevant FDCPA provisions and consumer rights

Optional Sections

1. Preferred Communication Method: Specification of acceptable methods of communication if any are to be allowed

2. Debt Dispute: Statement disputing the validity of the debt, to be included when debt validity is questioned

3. Attorney Information: Legal representation details when represented by an attorney

Suggested Schedules

1. Communication Log: Detailed record of harassment incidents with dates, times, and nature of communications

2. Previous Correspondence: Copies of relevant previous communications with the debt collector

3. Supporting Evidence: Phone records, recordings, or other documentation evidencing harassment

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions










Clauses












Industries

Fair Debt Collection Practices Act (FDCPA): Primary federal law that governs debt collection practices, defines prohibited harassment and abusive practices, outlines consumers' rights to request debt validation, and provides the right to demand cessation of communication

Fair Credit Reporting Act (FCRA): Federal law that regulates how debt collection activities are reported to credit bureaus and provides rights regarding accuracy of credit reporting

Telephone Consumer Protection Act (TCPA): Federal law that regulates the use of automated calls and text messages, particularly relevant for stopping robocalls from debt collectors

State-Specific Debt Collection Laws: Various state laws that provide additional protections beyond federal law, including licensing requirements for debt collectors and state-specific restrictions on collection practices

Dodd-Frank Wall Street Reform and Consumer Protection Act: Federal law that gives the Consumer Financial Protection Bureau (CFPB) authority over debt collectors and provides additional consumer protections

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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