Once a debt collector receives written notice from a consumer that the consumer refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease communications with the consumer except:
To advise the consumer that they are terminating their debt collecting efforts;
To notify the consumer that the debt collector or creditor may invoke specified remedies which they ordinarily invoke; and
To notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
A New Hampshire Letter Informing Debt Collector to Cease Communications with Debtor is a written correspondence sent by an individual residing in the state of New Hampshire to inform a debt collector to stop contacting them regarding a particular debt. The purpose of this letter is to exercise the debtor's rights under the Fair Debt Collection Practices Act (FD CPA) and the New Hampshire Consumer Protection Act, which provide consumers with certain protections against harassment and abusive practices by debt collectors. The letter should clearly state the purpose, which is to request that the debt collector immediately cease all communications with the debtor in relation to the specified debt. It should be addressed to the specific debt collection agency and include the full name, address, and account number associated with the debt to ensure accuracy. It is important to use relevant keywords such as "cease communications," "Fair Debt Collection Practices Act," "New Hampshire Consumer Protection Act," and "debt collector" to clearly convey the intention and legal context of the letter. Additionally, there may be different variations of the New Hampshire Letter Informing Debt Collector to Cease Communications with Debtor depending on specific circumstances. Here are a few examples: 1. Cease Communications for Time-Barred Debt: If the debt in question is beyond the legal statute of limitations, the letter can specifically state that the debt collector is prohibited from contacting the debtor regarding the debt due to its expiration. However, it is important to consult with legal counsel regarding the statute of limitations applicable to the particular debt. 2. Cease Communications for Harassment or Unauthorized Charges: If the debtor believes they are being harassed by the debt collector or if they suspect unauthorized charges, the letter can address these concerns. They can request immediate cessation of communications and provide evidence or documentation supporting their claims. 3. Verification of Debt: In some cases, the debtor may choose to request verification of the debt before further communication. The letter can state that the debtor disputes the validity or accuracy of the debt and requests valid documentation supporting its existence and ownership. By using the appropriate keywords and tailoring the content to fit the debtor's specific circumstances, the New Hampshire Letter Informing to Debt Collector to Cease Communications with Debtor ensures clear communication of the debtor's legal rights and expectations concerning the collection of the debt.
