Oregon Letter Informing to Debt Collector to Cease Communications with Debtor

State:
Multi-State
Control #:
US-01441BG
Format:
Word; 
Rich Text
Instant download

Description

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.

How to fill out Letter Informing To Debt Collector To Cease Communications With Debtor?

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FAQ

You have the right to tell a debt collector to stop communicating with you. To stop communication, send a letter to the debt collector and keep a copy of the letter. The CFPB's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

Page 2. Collection Agencies and Your Rights: Sending a Cease Communication Letter. Federal law requires collection agencies to stop their collection efforts after they receive a written request to stop.

Format the letter thusly: Your full name and address. The collections agency's name and address. A request for the amount of the debt claimed to be owed. A request for the name of the original creditor. A request for the judgment information (if applicable) A request for proof of the company's license.

A cease and desist letter should include your personal contact information as well as your account number so that there is no confusion about what debt you're referencing. Once the debt collector receives your letter, they may only contact you one more time regarding your debt.

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.

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.

A cease and desist letter is a formal letter requesting debt collectors to stop contacting you about a debt you owe. The Federal Fair Debt Collections Practices Act (FDCPA) requires debt collectors to cease any communication with you after they receive the letter.

Answer the phone and explain you're not the person they're looking for. Tell them that they are calling the wrong number. Send a cease and desist letter to them. If they continue to call, file a complaint with the FTC.

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'.

The safest and most effective way to stop harassing calls to your cell phone is to send a written cease and desist notice to the collector.

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Oregon Letter Informing to Debt Collector to Cease Communications with Debtor