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.
Illinois Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is an important tool for individuals seeking to exercise their rights under the Fair Debt Collection Practices Act (FD CPA) in Illinois. This letter effectively informs debt collectors to stop contacting the debtor and emphasizes the debtor's refusal to pay the alleged debt. Here is a detailed description of what this letter entails: 1. Introduction: The letter should begin with the debtor's full name, address, and contact information. It is important to clearly address the debt collector, including their name, the agency they represent, and their address. Provide the date of writing the letter to establish a time frame. 2. Reference Information: Include any relevant reference numbers, account numbers, or other identification details that pertain to the alleged debt. These details will help the debt collector identify the specific account and debt in question. 3. Request to Cease Communication: Clearly state the purpose of the letter by requesting that the debt collector immediately cease all communication attempts with the debtor. Cite the FD CPA and highlight the debtor's rights to stop unwanted contact. Emphasize that the debtor wishes to exercise their right to discontinue communication and expects the collector to comply. 4. Refusal to Pay Alleged Debt: Explicitly state that the debtor refuses to pay the alleged debt. Make it clear that the debtor disputes the validity of the debt or believes it to be inaccurate. Reference the relevant provisions of the FD CPA that protect debtors from unfair practices and unauthorized collections. 5. Warning of Legal Action: Inform the debt collector that any further communication would be considered a violation of the FD CPA. Include a strong statement that the debtor will not hesitate to take legal action if the debt collector fails to comply with the request to cease communication. 6. Request for Written Confirmation: Request that the debt collector provides written confirmation, within a specific timeframe, confirming that they received the letter and will comply with the demand to cease communication. Include a statement informing them to communicate through written means only if necessary. 7. Retain a Copy: Advise the debtor to keep a copy of the letter for their records, while also suggesting the usage of certified mail or another trackable method to record delivery. 8. Closing Statement: Conclude the letter by thanking the debt collector for their attention to this matter and expressing hope that this issue can be resolved swiftly and amicably. It is worth noting that there may not be various types of Illinois Letters Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt. However, individuals can personalize the letter based on their specific situation, such as adding more details regarding the alleged debt, referencing any previous correspondence, or including any additional legal citations applicable to their case.
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.
