North Carolina Notice letter to debt collector of Section 806 violation - harassment

State:
Multi-State
Control #:
US-DCPA-18
Format:
Word; 
Rich Text
Instant download

Description

Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.

A debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt.

Examples include:

  • Using threats (including implied threats), violence, or other criminal means to harm anyones reputation, property, or physical person.
  • Using obscene or profane language or language likely to abuse the hearer or reader. Such language includes abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets.
  • Posing a lengthy series of questions or comments to the consumer without giving the consumer a chance to reply.
  • Leaving telephone messages with neighbors when the debt collector knows the consumer's name and telephone number and could have contacted the consumer directly.
  • Publishing a list of consumers who allegedly refuse to pay debts except to a credit reporting agency as permitted by law.
  • Advertising the sale of any debt to coerce payment. A debt collector may not shame a consumer into paying their debt by publicizing it.
  • Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
  • Placing telephone calls without meaningful disclosure of the caller's identity.

    Use this form to get a debt collector to stop harassing, opressing, or abusing you.

    This form also also includes follow-up letters containing a warning that the debt collector may face going to court if they continue engaging in behavior that violates the FDCPA.

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    How to fill out Notice Letter To Debt Collector Of Section 806 Violation - Harassment?

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    FAQ

    This letter should be addressed and directed at one creditor only. You'll have to write one for each of the creditors that you want to stop calling you. Sending a cease and desist letter isn't a solution to your problem; it's merely a solution to receiving annoying phone calls.

    If you're being contacted by a lawyer on behalf of a creditor, the lawyer must stop contacting you too, provided he or she handles more than two debts in a year. The point of a cease and desist letter is to stop receiving harassing communications. Your creditors are still able to try to collect the debt owed, though.

    Among the insider tips, Ulzheimer shared with the audience was this: if you are being pursued by debt collectors, you can stop them from calling you ever again by telling them '11-word phrase'. This simple idea was later advertised as an '11-word phrase to stop debt collectors'.

    Once a debt collector receives written notice from a consumer that he or she refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease any further communication with the consumer except "(1) to advise the consumer that the debt collector's further efforts are being

    Under the FDCPA, you can tell a debt collector to stop contacting you; but it's not always a good idea. The federal Fair Debt Collection Practices Act (FDCPA) gives you the right to force a debt collector to stop communicating with you.

    No harassmentThe Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

    Dear debt collector: Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all calls to your phone number in relation to the account of wrong person's full name. This is the wrong number to contact that person.

    The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides a mechanism for you to stop debt collectors from contacting you. You can do this by sending a Cease and Desist Letter. Federal law allows you to communicate with debt collectors to tell them that you want them to stop contacting you.

    A cease and desist letter is a formal request that you send a debt collector to stop contacting you about a debt. This contact includes collection calls and demand letters. If you make this request over the phone, it won't be official or binding.

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    North Carolina Notice letter to debt collector of Section 806 violation - harassment