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 Guam Letter Informing a Debt Collector to Cease Communications with a Debtor is a written communication sent by an individual residing in Guam to a debt collector requesting that they stop contacting them in relation to a debt. This letter serves as a formal request under the Fair Debt Collection Practices Act (FD CPA) and other relevant statutes, such as the Guam Consumer Protection Act. The content of the letter typically includes the following details: 1. Sender's Information: The letter starts with the sender's full name, address, and contact information. This information helps to identify the individual making the request. 2. Date: The date on which the letter is written is indicated next, ensuring clear documentation of the communication. 3. Debt Collector's Information: The letter should include the name and address of the debt collector, along with any specific contact details known to the sender. 4. Reference Details: To ensure proper identification, the sender may mention any reference numbers, invoice numbers, or other specific details related to the debt at hand. 5. Statement of the Request: The main body of the letter clearly states that the sender is making a formal request for the debt collector to cease all communications related to the debt. The sender should use explicit and legally appropriate language to inform the debt collector of their wishes. 6. Legal Grounds: It is crucial to include references to relevant laws, such as the FD CPA and the Guam Consumer Protection Act, which protect consumers' rights and outline debt collection practices that debt collectors must adhere to. 7. Consequences: The letter may mention the consequences and remedies available to the sender if the debt collector does not comply with the request. This can include potential legal action or filing a complaint with regulatory authorities. 8. Request for Written Confirmation: To have a record of the debt collector's acknowledgment of the request, the sender may request written confirmation that the debt collector will indeed cease all further communications. 9. Documentation: The sender may include copies of any relevant documentation, such as previous correspondence or evidence of payment. Different types or variations of the Guam Letter Informing Debt Collector to Cease Communications with Debtor may include: 1. Basic Cease Communication Letter: A standard letter requesting the debt collector to stop all communication in relation to the debt. 2. Cease Communication Letter with Dispute: If the debtor believes that the debt is not valid or there are discrepancies, they can include a section disputing the debt within the letter. 3. Attorney Representation Letter: If the debtor has legal representation, the letter may be written on behalf of the debtor by their attorney, emphasizing legal rights and requesting that all communications go through the attorney. It is advisable for individuals in Guam to consult legal counsel or utilize pre-drafted templates specific to Guam's laws to ensure accuracy and adherence to local regulations.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
