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.
Title: Maine Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment Keywords: Maine, debt collector, communication, debtor, place of employment, letter, legal, cease and desist, Fair Debt Collection Practices Act. Introduction: In the state of Maine, debtors have the legal right to request a debt collector to cease communication at their place of employment. This letter serves as a formal written notice, in accordance with the Fair Debt Collection Practices Act (FD CPA) and Maine laws, for debtors to inform collectors to refrain from contacting them at their workplace. Multiple situations may arise as to why a debtor may choose to exercise this right. Below, you will find two type examples of Maine Letters Informing Debt Collectors Not to Communicate with Debtors at their Places of Employment. Type 1: Initial Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collection Agency's Name] [Agency's Address] [City, State, ZIP Code] Subject: Cease and Desist Communication at Place of Employment Dear [Debt Collection Agency's Name], I am writing to formally request that you immediately cease all communication with me at my place of employment, as this is inconvenient and disruptive to the daily operations of the company. To ensure compliance with both federal laws, specifically the Fair Debt Collection Practices Act (FD CPA), and Maine's state laws regarding debt collection practices, I kindly ask that you refrain from contacting me at my workplace. Please take note that I am aware of my rights under the FD CPA, which provide protection against harassment, and I fully understand that the law prohibits debt collectors from contacting individuals at their place of employment if they are aware that such communication is inconvenient or prohibited by the employer. To respect my rights and maintain compliance with the law, please update your records accordingly and direct any future communication to my residential address mentioned above. Failure to adhere to my request may result in legal action being pursued to protect my rights. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Contact Information] Type 2: Follow-up Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collection Agency's Name] [Agency's Address] [City, State, ZIP Code] Subject: Final Warning — Cease Communication at Place of Employment Dear [Debt Collection Agency's Name], It has come to my attention that despite my previous request to cease communication at my place of employment, you have continued to contact me at my workplace. This is a direct violation of both the Fair Debt Collection Practices Act (FD CPA) and Maine state laws governing debt collection practices. I must insist that you immediately cease all communication at my place of employment as it continues to disrupt the normal functioning of my workplace. Failure to comply with this demand shows a disregard for my rights as a debtor. Please be advised that any further communication at my workplace will be deemed as harassment under federal and state law. I reserve the right to pursue all available legal remedies for such practice, including filing a complaint with the Federal Trade Commission, the Maine Attorney General's Office, and taking appropriate legal action to protect my rights. To maintain compliance with the law, I expect you to acknowledge and respect my request. All future correspondence pertaining to this debt should be directed to my residential address mentioned above. This is my final warning prior to pursuing legal action. I hope that immediate action will be taken to rectify this matter, bringing an end to any future encounters at my place of employment. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Contact Information] Note: It is advisable to consult with an attorney to ensure the accuracy and legality of the content of such letters.
