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. 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.
Guam Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor Dear [Debt Collector's Name], I am writing in regard to the outstanding debt associated with my account [Account Number]. As a consumer residing in Guam, I would like to inform you of the days and times that are appropriate for you to contact me regarding this matter. Guam follows specific laws and regulations that protect consumers from unfair debt collection practices. According to the Fair Debt Collection Practices Act (FD CPA) and applicable Guam laws, debt collectors are prohibited from contacting debtors at inconvenient hours or times that are known to be inconvenient for them. In accordance with these legal guidelines, I request that all communication regarding this debt take place during the following days and times: 1. Monday to Friday: Contact between the hours of 8:00 AM and 8:00 PM (Guam Standard Time) Please note that weekends and public holidays are excluded from the contact schedule mentioned above. Additionally, if there are any changes to my availability during the specified times, I will notify you promptly to ensure we can establish a mutually convenient communication schedule. It is important to emphasize that any contact made outside the specified days and times will be considered a violation of my rights as a consumer and may result in legal action being taken against you and the debt collection agency you represent. I kindly request that you update my account records to reflect this information and ensure that all collection activities adhere to these parameters. Furthermore, please provide me with confirmation of receipt of this letter and a written acknowledgement that you will comply with my specified days and times for contact, as outlined above. Failure to respect my rights as a consumer and adhere to the provided schedule will result in formal complaints filed with relevant regulatory authorities, including but not limited to the Guam Consumer Protection Agency and the Federal Trade Commission (FTC). I trust that you will handle this matter with utmost professionalism and compliance. Thank you for your attention to this request, and I look forward to resolving this debt matter within the defined boundaries. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] Different types of Guam Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor: 1. Standard Guam Letter Informing Debt Collector: This type of letter outlines the specific days and times during which the debtor is open to receiving contact from the debt collector. It requests compliance with regulations enforced by the FD CPA and Guam laws. 2. Amended Guam Letter Informing Debt Collector: In case the debtor needs to change their preferred contact schedule, an amended letter can be sent to inform the debt collector of the revised days and times during which they are available for communication. 3. Registered Guam Letter Informing Debt Collector: This type of letter includes a return receipt requested service or registered mail acknowledgement to legally confirm the delivery of the letter to the debt collector. It ensures proof of the debt collector's awareness of the specified days and times for contact. 4. Urgent Guam Letter Informing Debt Collector: A debtor may send an urgent letter if they believe the debt collector has violated their rights by contacting them outside the agreed-upon days and times. This letter urges the debt collector to rectify the situation promptly and cease any further improper communication. Note: The above types of letters may vary based on individual circumstances and legal advice. It is recommended to consult with an attorney or legal professional familiar with Guam debt collection laws for specific advice tailored to your situation.
