Delaware Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment

State:
Multi-State
Control #:
US-01428BG
Format:
Word; 
Rich Text
Instant download

Description

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.


The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects.

How to fill out Letter Informing Debt Collector Not To Communicate With Debtor At Debtor's Place Of Employment?

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FAQ

Dear debt collector: Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all calls to your phone number in relation to the account of wrong person's full name. This is the wrong number to contact that person.

A debt validation letter should include the name of your creditor, how much you supposedly owe, and information on how to dispute the debt. After receiving a debt validation letter, you have 30 days to dispute the debt and request written evidence of it from the debt collector.

A cease and desist letter is a formal request that you send a debt collector to stop contacting you about a debt. This contact includes collection calls and demand letters. If you make this request over the phone, it won't be official or binding.

This means that debt collectors cannot harass you in-person at your work. However, a debt collector, like a credit card company, may call you at work, though they can't reveal to your co-workers that they are debt collectors. If you ask the debt collector not to contact you at work, by law they must stop.

Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work. Once the debt collector is aware of either situation, they are legally required to stop calling you at work.

Page 2. Collection Agencies and Your Rights: Sending a Cease Communication Letter. Federal law requires collection agencies to stop their collection efforts after they receive a written request to stop.

A cease and desist letter is a formal letter requesting debt collectors to stop contacting you about a debt you owe. The Federal Fair Debt Collections Practices Act (FDCPA) requires debt collectors to cease any communication with you after they receive the letter.

The safest and most effective way to stop harassing calls to your cell phone is to send a written cease and desist notice to the collector.

If you're being contacted by a lawyer on behalf of a creditor, the lawyer must stop contacting you too, provided he or she handles more than two debts in a year. The point of a cease and desist letter is to stop receiving harassing communications. Your creditors are still able to try to collect the debt owed, though.

A debt collector can only contact your friends, employer, relatives or neighbours to get your telephone number or address. This does not apply in the following cases: the person being contacted has guaranteed (or co-signed) your loan. your employer is contacted to confirm your employment.

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Delaware Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment