Are debt collectors calling you non-stop? Do they call at all hours? A “Sample Letter To Stop Debt Collection Calls” can help. It’s a formal request. It tells debt collectors to stop contacting you. People use it when calls become too frequent or harassing.
This article is your toolkit. We will share letter templates. We will also share pre-written examples. These samples make writing your own letter easy.
Think of these samples as your starting point. Customize them to fit your situation. Get ready to regain control and stop those unwanted calls!
Sample Letter To Stop Debt Collection Calls
[Your Full Name]
[Your Address]
[Your City, State, Zip Code]
[Your Email Address]
[Your Phone Number]
[Date]
[Collection Agency’s Name]
[Collection Agency’s Address]
[Collection Agency’s City, State, Zip Code]
Regarding: Account Number [Your Account Number]
I am writing to request that you immediately stop all communication with me, including phone calls, regarding the above-referenced account.
I understand that you believe I owe a debt. However, I do not wish to be contacted by your company.
This request is made under my rights as outlined in the Fair Debt Collection Practices Act.
Please confirm in writing that you have ceased all communication with me.
Thank you for your attention to this matter.
Sincerely,
[Your Signature]
How to Write Sample Letter To Stop Debt Collection Calls
Subject Line: The Vanguard of Your Peace
- Be succinct and direct. Opt for something like: “Cease Communication Regarding Account # [Your Account Number]”. This immediately signals your intent and the specific debt in question.
- Avoid ambiguity. A clear subject line ensures your letter is correctly routed and processed promptly.
Salutation: A Formal Overture
- Address the debt collector or collection agency by name, if known. Use “Dear [Debt Collector’s Name],” or “Dear [Collection Agency Name],”.
- If the specific contact person remains elusive, “To Whom It May Concern:” is an acceptable, albeit less personalized, alternative.
Body Paragraph 1: The Declaration of Intent
- State unequivocally that you are requesting they cease all communication with you. Begin with a firm assertion: “This letter serves as a formal notification that I am requesting you to cease all further contact, communication, and correspondence with me regarding account #[Your Account Number]”.
- Reference the Fair Debt Collection Practices Act (FDCPA). Mentioning this demonstrates you are knowledgeable about your rights, which may deter egregious collection practices. Include: “This request is made in accordance with my rights under the Fair Debt Collection Practices Act.”
Body Paragraph 2: The Stipulation of Exceptions (Optional, But Prudent)
- Specify any acceptable forms of communication, if any. For instance, you might permit written notification of a lawsuit. “I will only accept communication regarding this debt via written notification of legal action.”
- Clarify that allowing communication is not an acknowledgment of the debt. Add a caveat such as: “Permitting such communication should not be construed as an acknowledgment of the validity of this debt.”
Body Paragraph 3: The Consequence Clause
- Clearly state your intentions should the debt collector continue contacting you. For instance: “Should you disregard this request and continue to contact me, I will consider all available legal avenues to protect my rights.”
- This reinforces your seriousness and potential recourse.
Closing: A Respectful Farewell (With an Edge)
- Use a formal closing such as “Sincerely,” or “Respectfully,”.
- Follow with your printed name and signature.
Essential Inclusions: The Imperatives of Documentation
- Include your full name, address, and account number. Accuracy is paramount.
- Date the letter. This establishes a timeline for your request.
- Send the letter via certified mail with return receipt requested. This provides proof of delivery. Keep a copy of the letter for your records; this is crucial for any future disputes or legal proceedings.
Frequently Asked Questions: Stopping Debt Collection Calls
This section addresses common inquiries regarding sending a letter to halt debt collection calls. Understanding your rights is crucial in managing debt collection communications.
1. What should be included in a cease and desist letter to stop debt collection calls?
Your letter should include your full name, address, the debt account number (if known), a clear statement that you are requesting the debt collector to cease all communication with you, and your signature.
2. Is sending a letter enough to permanently stop all debt collection activity?
No, a cease and desist letter only stops communication. The debt collector can still pursue legal action to recover the debt or continue reporting it to credit bureaus, if legally permissible.
3. Where should I send the cease and desist letter?
Send the letter to the debt collection agency’s official mailing address. This address can usually be found on previous correspondence from the agency or through a search of public records.
4. Should I send the letter via certified mail?
Yes, sending the letter via certified mail with return receipt requested is highly recommended. This provides proof that the debt collector received your request.
5. What happens after I send the cease and desist letter?
The debt collector must stop contacting you, with two exceptions: they can notify you that collection efforts are being terminated, or inform you that they intend to pursue legal remedies.
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