Once a debt collector receives written notice from a consumer that the consumer refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease communications with the consumer except:
To advise the consumer that they are terminating their debt collecting efforts;
To notify the consumer that the debt collector or creditor may invoke specified remedies which they ordinarily invoke; and
To notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
An Idaho Letter Informing to Debt Collector to Cease Communications with Debtor is a formal written communication aimed at requesting a debt collector to stop contacting an individual regarding a debt. It is based on the Fair Debt Collection Practices Act (FD CPA), a federal law that regulates how debt collectors can conduct themselves when attempting to collect a debt. The purpose of this letter is to assert the debtor's rights under the FD CPA and to inform the debt collector that all communication attempts, including phone calls, letters, or any other method of communication, should cease immediately. Some relevant keywords that could be included in the letter may be: 1. Debt collector: Referring to the entity or individual attempting to collect the debt. 2. Debtor: The person who owes the debt. 3. Fair Debt Collection Practices Act (FD CPA): A federal law that outlines the guidelines for debt collectors' behavior. 4. Cease communications: The primary request of the letter, requesting the debt collector to stop contacting the debtor. 5. Written confirmation: Requesting a written acknowledgment from the debt collector that they will no longer communicate with the debtor. In Idaho, no specific type or form of the letter is mandated, but it is recommended to use a formal and concise tone. It is important to clearly state the debtor's intentions, include relevant information such as the debt collector's contact details, the debtor's information, and the details of the debt, including the amount owed and any account references. It is essential to keep a copy of the letter for personal records and to send it via certified mail with a return receipt requested. This method provides evidence of delivery and verifies that the debt collector has received the letter. It is worth noting that this letter does not absolve the debtor of their debt obligations, but rather acts as a request to cease communication according to the FD CPA. If the debt is valid, it may still be pursued through proper legal channels. However, the letter can provide the debtor with some relief from ongoing communications, allowing them to maintain peace of mind while handling their financial situation.
