Sent via CERTIFIED RETURN MAIL #






Dear Collector or Creditor,

I am writing in response to your phone call on   and requesting an immediate CEASE and DESIST of COMMUNICATION.

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:

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.

Sincerely,

 

Instructions: 

 

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Send the letter via certified mail with a return receipt request.  Keep a copy of the letter for your files. Send out the letter within thirty days of the first contact by the collection agency/collection attorney. The law applies to both the agency and to attorneys who collect two or more debts per year. They are allowed (under law) to contact you one time, after receipt of the letter, to notify you of their intent. Debt buyers are subject to the law in spite of their assertions that since they bought the debt, they are not the collector. This is not Correct! They ARE a debt collector, subject to the law.

If you receive phone calls after you have sent the letter certified, document and record all phone call. If you receive a call notify the caller that they are in receipt of a Cease and Desist letter and they are in violation of the Fair Debt Collection Act. Foul language is an additional violation, each curse word can be a fine so document and track each conversation. it's legal and it works!