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: New Hampshire Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment Introduction: In the state of New Hampshire, debtors have the right to request that debt collectors refrain from contacting them at their place of employment. This letter serves as a formal request to a debt collector, notifying them of the debtor's instruction to communicate solely through alternative means. Please note that New Hampshire law provides specific guidelines and protections regarding debt collection practices. Keywords: New Hampshire debt collector, debtor's place of employment, letter informing debt collector, debt collection practices, requesting alternate communication, legal rights. Content: [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collection Agency's Name] [Address] [City, State, ZIP] Subject: Request to Cease Communication with Debtor at Place of Employment Dear [Debt Collector's Name], I am writing to inform you of my rights as a debtor under the laws of the state of New Hampshire regarding communication with debt collectors. Pursuant to the Fair Debt Collection Practices Act (FD CPA) and the New Hampshire Revised Statutes Annotated (RSA) § 358-C, I am hereby requesting that you cease all communication with me at my place of employment. It has come to my attention that your collection agency has been making frequent calls to my workplace regarding an outstanding debt. While I understand the need to address the matter, I kindly ask that you respect my rights and conduct all future communications with me through alternate means. According to New Hampshire law, debt collectors must adhere to certain guidelines when communicating with debtors. Among these regulations, RSA § 358-C:3, III states that if a debtor notifies a debt collector in writing to cease communication or restrict the communication to a specific method, the debt collector must honor that request. To comply with both state and federal law, I hereby request that you communicate with me solely through postal mail or email. Please ensure that all future correspondence related to this debt, including any verification or collection letters, are sent only to my residential address listed above or via the email address provided below. Email: [Your Email Address] I would greatly appreciate your prompt acknowledgment of this letter and confirmation that you have updated my communication preferences accordingly. Furthermore, I expect that any further attempts to contact me at my place of employment will cease immediately. Failure to comply with my request may result in potential legal consequences under the FD CPA and New Hampshire state laws. Thank you for your attention to this matter. I trust that you will respect my legal rights as a debtor and adhere to the guidelines outlined by both New Hampshire law and the FD CPA. Yours sincerely, [Your Full Name] [Debtor's Address] [City, State, ZIP] Alternate Types of New Hampshire Letters Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment: 1. Financial Hardship Letter: Used when the debtor faces significant financial hardship, requesting a temporary halt in all communication or specific communication methods. 2. Cease and Desist Letter: A more strongly-worded letter, demanding an immediate halt to all communication, including communication at the debtor's place of employment. 3. Return Receipt Requested Letter: Similar to the initial letter, but sent via certified mail with a return receipt requested to ensure documented proof of delivery. Note: Each letter should be tailored to the specific situation and comply with relevant state and federal laws. Consultation with a legal professional is advised for accurate guidance concerning debt collection practices.
