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.
[Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency's Name] [Debt Collection Agency's Address] [City, State, ZIP] Subject: Letter Informing Debt Collector to only Communicate with Debtor in Writing at Debtor's Home Address Dear Sir/Madam, I am writing to address an urgent matter regarding the communication practices of your debt collection agency concerning the outstanding debt attributed to [Debtor's Full Name], residing at [Debtor's Home Address]. As an authorized representative of [Debtor's Full Name], I kindly request that all future communication from your agency regarding the aforementioned debt be conducted solely through written means and directed to the debtor's home address mentioned above. This request is made under the rights granted to the debtor under the Fair Debt Collection Practices Act (FD CPA) and relevant state laws. It has come to my attention that your agency has been engaging in frequent and persistent communication via telephone calls. Such practices not only disrupt the debtor's daily life but also cause undue stress and anxiety. Additionally, it is important to note that the debtor is exercising their right to assert their preference for written communication, as provided by the FD CPA. Therefore, I kindly ask you to amend your communication methods and strictly adhere to the debtor's request for written communication only. I expect your full cooperation in ensuring the debtor's rights are upheld and respected. Should your agency require any further information or documents to corroborate my authority on behalf of the debtor, please do not hesitate to contact me at the address provided above. Failure to comply with this written notice within 15 days of receiving this letter will be considered a violation of the debtor's rights under the FD CPA. In the event of non-compliance, please be aware that I am prepared to take necessary legal action to protect the debtor's rights and hold your agency accountable for any violations. Please acknowledge receipt of this letter in writing at the earliest convenience to confirm that you have implemented the requested changes. Your prompt attention and compliance with this letter is greatly appreciated. Yours sincerely, [Your Name] [Your Contact Information] Keywords: Allegheny Pennsylvania, letter, informed consent, debt collector, communicate, writing, home address, Fair Debt Collection Practices Act (FD CPA), state laws, communication methods, telephone calls, disruption, stress, anxiety, preference, written communication, authority, rights, violation, legal action, compliance, acknowledgment.[Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collection Agency's Name] [Debt Collection Agency's Address] [City, State, ZIP] Subject: Letter Informing Debt Collector to only Communicate with Debtor in Writing at Debtor's Home Address Dear Sir/Madam, I am writing to address an urgent matter regarding the communication practices of your debt collection agency concerning the outstanding debt attributed to [Debtor's Full Name], residing at [Debtor's Home Address]. As an authorized representative of [Debtor's Full Name], I kindly request that all future communication from your agency regarding the aforementioned debt be conducted solely through written means and directed to the debtor's home address mentioned above. This request is made under the rights granted to the debtor under the Fair Debt Collection Practices Act (FD CPA) and relevant state laws. It has come to my attention that your agency has been engaging in frequent and persistent communication via telephone calls. Such practices not only disrupt the debtor's daily life but also cause undue stress and anxiety. Additionally, it is important to note that the debtor is exercising their right to assert their preference for written communication, as provided by the FD CPA. Therefore, I kindly ask you to amend your communication methods and strictly adhere to the debtor's request for written communication only. I expect your full cooperation in ensuring the debtor's rights are upheld and respected. Should your agency require any further information or documents to corroborate my authority on behalf of the debtor, please do not hesitate to contact me at the address provided above. Failure to comply with this written notice within 15 days of receiving this letter will be considered a violation of the debtor's rights under the FD CPA. In the event of non-compliance, please be aware that I am prepared to take necessary legal action to protect the debtor's rights and hold your agency accountable for any violations. Please acknowledge receipt of this letter in writing at the earliest convenience to confirm that you have implemented the requested changes. Your prompt attention and compliance with this letter is greatly appreciated. Yours sincerely, [Your Name] [Your Contact Information] Keywords: Allegheny Pennsylvania, letter, informed consent, debt collector, communicate, writing, home address, Fair Debt Collection Practices Act (FD CPA), state laws, communication methods, telephone calls, disruption, stress, anxiety, preference, written communication, authority, rights, violation, legal action, compliance, acknowledgment.
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.
