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: North Carolina Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment Introduction: In North Carolina, debtors have legal rights when it comes to how and where debt collectors can communicate with them. One such right is the ability to inform debt collectors in writing not to contact them at their place of employment. This letter serves as a formal request to restrict communication between the debt collector and the debtor at their workplace. In North Carolina, there are two types of letters that debtors can utilize to enforce this restriction: the First Time Request and the Continuing Request. Keywords: North Carolina, letter, informing, debt collector, not to communicate, debtor, place of employment, legal rights, workplace, First Time Request, Continuing Request. 1. The First Time Request: The First Time Request letter is used for debtors who are requesting for the first time that debt collectors refrain from contacting them at their place of employment. This letter establishes their intention to invoke their legal rights and provides the necessary information to identify the debtor and the debt in question. Keywords: First Time Request, first time, request, legal rights, identify, debtor, debt. Sample content for the First Time Request: [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Collection Agency's Name] [Address] [City, State, ZIP] Dear [Debt Collector's Name], Subject: First Time Request to Cease Communication at Debtor's Place of Employment I am writing to formally request that you cease any form of communication regarding my outstanding debt at my place of employment, as provided under the legal rights stated in the Fair Debt Collection Practices Act (FD CPA). Please take note of the following information for identification purposes: Debtor Name: [Your Full Name] Debtor Address: [Your Address] Debtor Contact Number: [Your Phone Number] Debt in question: [Specify the relevant debt] I kindly ask that all future communication related to this debt be restricted to my personal address or alternative contact numbers. Your cooperation in this matter is appreciated. Thank you for your immediate attention to this matter. Sincerely, [Your Name] 2. The Continuing Request: The Continuing Request letter is utilized when a debtor has previously made a request for debt collectors to refrain from communicating at their place of employment, but the communication persists. This letter reinforces the previous request and reminds the debt collector of their obligation to adhere to the debtor's legal rights. Keywords: Continuing Request, continuing, request, communication persists, obligation, adhere, legal rights. Sample content for the Continuing Request: [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Collection Agency's Name] [Address] [City, State, ZIP] Dear [Debt Collector's Name], Subject: Continuing Request to Cease Communication at Debtor's Place of Employment I am writing to express my disappointment as I have previously requested, both verbally and in writing, that communication regarding my outstanding debt with your agency cease at my place of employment. Unfortunately, despite my initial request and your legal obligation under the Fair Debt Collection Practices Act (FD CPA), I continue to receive communications at my workplace. I urge you to rectify this matter immediately and respect my rights by refraining from communicating with me at my place of employment. It is crucial that all future correspondence relating to my debt be limited to my personal address or alternative contact numbers. Failure to comply with this request will leave me no choice but to seek legal remedies available to me to ensure my rights are protected. Thank you for your prompt attention to this matter. Sincerely, [Your Name] Conclusion: Debtors in North Carolina have the right to request that debt collectors do not communicate with them at their place of employment. By using either the First Time Request or the Continuing Request letter, debtors can assert their rights and limit communication regarding their outstanding debts to personal addresses or alternative contact numbers. It is essential for debt collectors to honor such requests to comply with the law and respect the debtor's privacy.
