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. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
A Utah Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor is a written notification sent to a debt collector, specifying the acceptable days and times when they are allowed to contact the debtor regarding their outstanding debts. This letter aims to inform the debt collector of the debtor's preferred communication schedule and to assert the debtor's rights under the Fair Debt Collection Practices Act (FD CPA). Keywords: Utah, Letter Informing Debt Collector, Days and Time, Contact Debtor, FD CPA, debt collection laws, communication preferences. Types of Utah Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor: 1. Basic Utah Letter Informing Debt Collector: This type of letter includes the debtor's name, address, and contact information, as well as a clear statement requesting the debt collector to contact the debtor only during specific days and times. The letter may also include necessary references to debt collection regulations, such as the FD CPA, as a reminder of the debtor's rights. 2. Utah Letter Asserting Communication Preferences: In addition to specifying specific days and times for contact, this letter may also outline the preferred communication methods between the debtor and the debt collector. Communication preferences could include mail, phone call, or email, highlighting the debtor's preferred mode of contact and emphasizing the need for compliance with these preferences. 3. Utah Cease and Desist Contact Letter: This type of letter goes beyond specifying specific days and times and requests that the debt collector stop contacting the debtor altogether. A Cease and Desist letter is typically utilized when the debtor wants to restrict all forms of communication, limiting further contact to mail communication only. This type of letter should be sent via certified mail to ensure a proper record of delivery. 4. Utah Letter Requesting Validation of Debt: Sometimes, debtors may not dispute the debt but require proper validation of the debt before engaging in further communication. This letter requests the debt collector to provide documentary evidence confirming the validity of the debt, such as copies of the original credit agreement or transaction details. This letter serves as a reminder to the debt collector to follow legal procedures when collecting the debt. 5. Utah Letter Disputing Debt: If the debtor believes the debt is inaccurate or not owed, they can send a letter disputing the debt's validity. This type of letter requests the debt collector to cease collection activities until proper verification of the debt is performed. It's essential to provide detailed information supporting the dispute, such as relevant account numbers or statements. Remember, it is crucial to consult an attorney or professional debt advisor to ensure compliance with specific Utah laws and regulations when drafting any correspondence to debt collectors.
