The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
Colorado Letter Informing Debt Collector that Debtor is Represented by an Attorney
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Multi-State
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US-01429BG
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Word;
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How to fill out Letter Informing Debt Collector That Debtor Is Represented By An Attorney?
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FAQ
(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of ...
Debt collectors can call you, contact you by private message on social media, or send letters, emails, or text messages to collect a debt.
Within five days after a debt collector first contacts you, it must send you a written notice, called a "validation notice," that tells you (1) the amount it thinks you owe, (2) the name of the creditor, and (3) how to dispute the debt in writing.
However, they're required to send a debt validation letter within five days of first contacting you. If you don't receive a debt validation letter within 10 days of initial contact, you can submit a complaint to the Consumer Financial Protection Bureau.
Under federal law, a debt collector must go through your attorney if they know that you have one, so it's a good idea ? if you get legal representation ? to tell the collector the name of the attorney who is representing you and how to contact them.
The debt verification letter is a letter you write and send to the debt collector, disputing the debt (if you truly don't owe it or owe as much as the collector says you do). You'll also send this letter via certified mail with a return receipt request so you have a record of your communication back to the collector.
Generally, they may call between 8 a.m. and 9 p.m., but you may ask them to call at other times if those hours are inconvenient for you. Debt collectors may send you notices or letters, but the envelopes cannot contain information about your debt or any information that is intended to embarrass you.
Limits on how debt collectors can communicate with you about a debt. Time and place. Generally, debt collectors may not contact you at an unusual time or place, or at a time or place they know or should know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m.
