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.
Subject: Important Notice: Debt Collector Communication Restrictions — Only in Writing at Debtor's Home Address Dear [Debt Collector's Name], I am writing to inform you of my explicit request to limit all future communication regarding the outstanding debt solely to my home address, as per my rights outlined under the Fair Debt Collection Practices Act (FD CPA) and Massachusetts state laws. Please ensure that all future interactions are conducted solely in writing and sent exclusively to the address mentioned below: [Debtor's Home Address] [City, State, ZIP] By exercising my rights granted under the FD CPA, I aim to establish a channel of communication that allows me to keep track of all correspondence while maintaining a record of our interactions. This will enable me to better understand and manage the situation effectively. As stated in the FD CPA, section 805(c), you are hereby notified to cease all phone calls, text messages, emails, and any other form of communication besides written correspondence, directed towards resolving the debt in question. Please take note of the following key points regarding this request: 1. Written Communication: All correspondence should be in the form of written letters mailed directly to my home address. This includes any updates regarding the status of the debt, payment arrangements, or settlement offers. 2. Dispute Verification: Any information or documentation pertaining to the debt, including a validation notice confirming its validity and origin, must also be sent in writing to my home address. This will allow me to thoroughly review and ensure the accuracy of the debt information. 3. Prohibited Phone Contact: It is essential to emphasize that you must refrain from contacting me via telephone at any time unless expressly permitted by me to do so. Any disregard for this request will be deemed a violation of the FD CPA, resulting in potential legal consequences. I expect your compliance with this request effective immediately. Failure to comply may lead to legal action, including filing a complaint with the Federal Trade Commission and pursuing damages allowable under the law. Please be advised that this letter is not an admission of liability for the debt in question. It is solely intended to exercise my rights and establish a clear mode of communication. While I am dedicated to resolving my financial obligations, it is crucial to establish appropriate measures that protect both parties involved. Should you require additional information, please adhere to the aforementioned communication restrictions and address any queries or concerns via written correspondence to my home address. Thank you for your prompt attention to this matter. I expect your adherence to the specified communication restrictions. Sincerely, [Your Name] [Debtor's Home Address] [City, State, ZIP]Subject: Important Notice: Debt Collector Communication Restrictions — Only in Writing at Debtor's Home Address Dear [Debt Collector's Name], I am writing to inform you of my explicit request to limit all future communication regarding the outstanding debt solely to my home address, as per my rights outlined under the Fair Debt Collection Practices Act (FD CPA) and Massachusetts state laws. Please ensure that all future interactions are conducted solely in writing and sent exclusively to the address mentioned below: [Debtor's Home Address] [City, State, ZIP] By exercising my rights granted under the FD CPA, I aim to establish a channel of communication that allows me to keep track of all correspondence while maintaining a record of our interactions. This will enable me to better understand and manage the situation effectively. As stated in the FD CPA, section 805(c), you are hereby notified to cease all phone calls, text messages, emails, and any other form of communication besides written correspondence, directed towards resolving the debt in question. Please take note of the following key points regarding this request: 1. Written Communication: All correspondence should be in the form of written letters mailed directly to my home address. This includes any updates regarding the status of the debt, payment arrangements, or settlement offers. 2. Dispute Verification: Any information or documentation pertaining to the debt, including a validation notice confirming its validity and origin, must also be sent in writing to my home address. This will allow me to thoroughly review and ensure the accuracy of the debt information. 3. Prohibited Phone Contact: It is essential to emphasize that you must refrain from contacting me via telephone at any time unless expressly permitted by me to do so. Any disregard for this request will be deemed a violation of the FD CPA, resulting in potential legal consequences. I expect your compliance with this request effective immediately. Failure to comply may lead to legal action, including filing a complaint with the Federal Trade Commission and pursuing damages allowable under the law. Please be advised that this letter is not an admission of liability for the debt in question. It is solely intended to exercise my rights and establish a clear mode of communication. While I am dedicated to resolving my financial obligations, it is crucial to establish appropriate measures that protect both parties involved. Should you require additional information, please adhere to the aforementioned communication restrictions and address any queries or concerns via written correspondence to my home address. Thank you for your prompt attention to this matter. I expect your adherence to the specified communication restrictions. Sincerely, [Your Name] [Debtor's Home Address] [City, State, ZIP]
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.
