Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.
A debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. This includes leaving telephone messages with neighbors or other 3rd parties when the debt collector knows the consumer's name and telephone number and could have contacted the consumer directly.
Collector 3rd Party Format Tool
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US-DCPA-28
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How to fill out Notice To Debt Collector - Unlawful Messages To 3rd Parties?
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FAQ
What types of debts are covered under the law? You have important rights under the FDCPA for your credit card debt, car loans, medical bills, student loans, mortgage, and other household debts.
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts. The Dodd-Frank Act granted rulemaking authority under the FDCPA to the CFPB and, with respect to entities under its jurisdiction, granted authority to supervise for and enforce compliance with the FDCPA.
If you've been contacted by a collection agency, the collectors are required to send you a written notice within five days of the first contact. If you have not received a debt validation letter, you have the right to request one by writing a debt verification letter, or a debt dispute letter.
Under Ohio Revised Code section 131.02, all delinquent state debt is collected by the Attorney General.
The 7-in-7 rule: Reg F stipulates that there may be no more than seven (7) calls made by a debt collector to a consumer in a span of seven (7) days.
Rhode Island Statute Of Limitations Creditors in Rhode Island have ten years to sue you for an unpaid loan, promissory note, or credit card. A creditor can still call and send you bills even after the statute of limitations has expired.
Harassment of the debtor by the creditor ? More than 40 percent of all reported FDCPA violations involved incessant phone calls in an attempt to harass the debtor.
If you're sure the debt is nothing to do with you, contact the creditor and tell them. If they insist you do owe the debt, ask them to provide proof, for example a copy of the original agreement.