Collector Messages Without Their Phone

State:
Multi-State
Control #:
US-DCPA-28
Format:
Word; 
Rich Text
Instant download

Description

The document titled 'Letter – Notice: Stop Leaving Messages with Third Parties' serves as a formal notification to debt collectors regarding violations of Section 806 of the Fair Debt Collection Practices Act (FDCPA). This section specifically prohibits debt collectors from harassing or abusing consumers, including leaving messages with third parties when they know the consumer's contact information. The form outlines necessary steps for sending the letter, emphasizing the importance of using certified or registered mail for proof of delivery. Legal professionals, such as attorneys, partners, owners, associates, paralegals, and legal assistants, can utilize this form to assert consumer rights effectively. The document includes a template for detailing the violation clearly and offers a second notice for repeated offenses, encouraging appropriate actions against persistent misconduct. Additionally, it highlights the user's right to pursue civil action for damages resulting from improper collection practices. Overall, this form aims to protect consumers while providing a structured approach for users to enforce their rights regarding debt collection.
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  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties
  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties
  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties
  • Preview Notice to Debt Collector - Unlawful Messages to 3rd Parties

How to fill out Notice To Debt Collector - Unlawful Messages To 3rd Parties?

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FAQ

The 11-word phrase to stop debt collectors is, 'I do not want to be contacted by you further.' This simple and powerful statement can be effective in ending unwanted communication. Make sure to place this phrase in your correspondence to assert your rights. You can use uslegalforms to create a formal notice that includes this phrase.

How long does it take? ¶ Collections usually finish 5 minutes or less. They typically take about one second per 500 plain text messages or 20 pictures messages, but speed varies widely.

The short answer is that the Fair Debt Collection Practices Act doesn't prohibit collectors from using texts or social media.

Signal supports individual and group chats, voice and video calls, and even allows you to send self-destructing messages. Wire: Wire is another secure messaging app that doesn't require a phone number. It allows you to sign up using just your email address, and offers end-to-end encryption for all communications.

If You Get a Text About a Debt, Verify It's Legitimate Under the CFPB rules, debt collectors must provide details that validate a debt, either at the first point of contact or within five days after the first conversation. The validation information they send you must include: The name of the current creditor.

Retention period for text messages (SMS) Most cell carriers retain content data between 3-7 days. The exceptions are: AT&T, Boost and T-Mobile which have zero days retention.

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Collector Messages Without Their Phone