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 Kansas Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is a legal document that can be sent by an individual to a debt collector in the state of Kansas. This letter is intended to assert the debtor's rights and request that the debt collection agency stop contacting them regarding a specific alleged debt. In this communication, the debtor denies the existence of the debt and refuses to make any payment. Keywords: Kansas, debt collector, cease communications, debtor, alleged debt, letter, refuse to pay. Types of Kansas Letters Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: 1. Basic Kansas Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: This type of letter includes the individual's personal details, account information, and a clear statement denying the debt's validity. It demands the debt collector to stop contacting the debtor immediately and asserts the debtor's rights under the federal Fair Debt Collection Practices Act (FD CPA) and the Kansas Consumer Protection Act (CPA). 2. Formal Kansas Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: This type of letter follows a more formal structure and language. It includes additional sections such as a reference to the debtor's rights, a request for written confirmation of the debt's validation, a warning about potential legal actions if the harassment continues, and a demand to refrain from reporting the alleged debt to credit bureaus. 3. Attorney-Authored Kansas Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: This letter is prepared by an attorney on behalf of the debtor. It typically includes legal citations, an explanation of the potential violations committed by the debt collector, and references to relevant statutes and court rulings. This type of letter emphasizes the seriousness of the debtor's claims and may result in increased chances of compliance from the debt collection agency. Note: It is always advisable to consult with an attorney who specializes in debt collection laws when dealing with such situations to ensure that the letter is tailored to the specific circumstances and legal requirements in Kansas.
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.
