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.
Missouri Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment is a legal document designed to restrict and prohibit debt collectors from contacting debtors at their workplace. This letter acts as a formal communication between the debtor and the debt collector, asserting the debtor's rights and requesting that all communication be exclusively conducted through other means. In Missouri, there are several variations of the letter that debtors can use depending on their specific situation. They include: 1. General Missouri Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment: This letter is applicable to debtors in Missouri who wish to prevent debt collectors from contacting them at their workplace. It outlines the debtor's rights and clearly states the debtor's request for all future communication to be conducted through alternative channels. 2. Missouri Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment — Certified Mail: This variation of the letter includes the use of certified mail to ensure a legally recognized proof of delivery. By sending the letter via certified mail, the debtor can have a record of the debt collector's receipt of the letter, offering additional protection if legal action becomes necessary. 3. Missouri Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment — Return Receipt Requested: This letter variation adds an extra layer of proof by including a request for a return receipt. By requiring the debt collector to sign a return receipt, the debtor can obtain evidence that the collector received the letter formally. 4. Missouri Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment — Cease and Desist: In certain cases where the debtor has been subjected to excessive or harassing communication, this letter variation may be used. It demands that the debt collector immediately cease all contact with the debtor, at their place of employment or otherwise, to halt any abusive or unfair practices. Regardless of the variation used, it is essential to include relevant keywords throughout the letter for clarity and accuracy. Some of the keywords that can be included are: Missouri, debt collector, debtor, letter, communication, workplace, employment, rights, request, alternative channels, legal document, certified mail, proof of delivery, return receipt requested, cease and desist, harassment, abusive practices.
