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If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.
If a debt collector contacts you, it's your responsibility to: Be honest about your financial situation, including other debts. Reply in good time to calls or letters. Agree to a payment plan if you can afford it. Tell the debt collector if your contact details change.
Responding to a Lawsuit File an answer. The most common way to respond to a complaint is by filing an answer. ... Negotiate. Being served with a lawsuit does not automatically mean you need to appear in court. ... Request more information from the plaintiff. ... Cross-complain. ... File a motion to dismiss.
Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt]. I do not have any responsibility for the debt you're trying to collect.
I am responding to your contact about a debt you are attempting to collect. You contacted me by [phone/mail], on [date]. You identified the debt as [any information they gave you about the debt]. Please stop all communication with me and with this address about this debt.