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.
Title: Bronx New York Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment Introduction: In the bustling and diverse borough of Bronx, New York, it is important for debtors to understand their rights when it comes to dealing with debt collectors. One such right is the ability to request that debt collectors refrain from contacting them at their place of employment. This detailed letter aims to inform debt collectors of the debtor's wishes and legal rights in this regard, in compliance with Bronx, New York regulations. Content: 1. Introduction and Sender Information: a. Begin the letter with a professional salutation and introduce yourself as the debtor. b. Clearly state your full name, mailing address, and contact details. c. Include your account number or any other pertinent identifier related to your debt. 2. Reference to Legal Rights: a. Mention that according to Bronx, New York laws, debtors have the right to request that debt collectors cease communication at their place of employment. b. Cite the specific legal code or regulation that supports this right, if applicable. c. Emphasize that this request should be respected for the debtor's privacy and dignity. 3. Request to Cease Communication: a. Politely but firmly state that you are formally requesting that all communication regarding the debt occur via written methods only. b. Clearly state that the debt collector is not to contact you at your place of employment. c. Provide any alternative contact details, such as a preferred mailing address or phone number, where the debt collector should direct future communication. 4. Verification of Receipt: a. Request that the debt collector acknowledges receipt of the letter within a specified timeframe. b. Indicate that failure to acknowledge and adhere to this request may result in legal consequences or complaints to relevant authorities. 5. Closing: a. Thank the debt collector for their attention and cooperation in adhering to your request. b. Encourage them to resolve any further matters, concerns, or questions regarding the debt through the provided alternative contact information. c. Close the letter with a formal closing, followed by your typed full name and signature. Variations of the Bronx New York Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment: 1. General Debt Collector Letter: This variation is the standard letter used to inform debt collectors about the debtor's request not to communicate at their place of employment. 2. Certified Mail Delivery: This variation includes requesting a return receipt for the letter, ensuring proof of delivery and acknowledgement of the debtor's request. 3. Legal Assistance Request: This variation includes a request for legal support and advice in dealing with the debt collector's response or any potential violations of the debtor's rights. 4. Cease and Desist Letter: This variation amplifies the request by stating an intent to take legal action if the debt collector persists in communicating at the debtor's place of employment despite the request. 5. Employer Copy Letter: This variation includes an additional letter addressed to the debtor's employer, informing them of the debtor's legal rights and requesting their cooperation in preventing debt collector communication at the workplace. Note: It is recommended to consult legal professionals or relevant authorities to ensure compliance with specific local laws and regulations when drafting the letter.Title: Bronx New York Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment Introduction: In the bustling and diverse borough of Bronx, New York, it is important for debtors to understand their rights when it comes to dealing with debt collectors. One such right is the ability to request that debt collectors refrain from contacting them at their place of employment. This detailed letter aims to inform debt collectors of the debtor's wishes and legal rights in this regard, in compliance with Bronx, New York regulations. Content: 1. Introduction and Sender Information: a. Begin the letter with a professional salutation and introduce yourself as the debtor. b. Clearly state your full name, mailing address, and contact details. c. Include your account number or any other pertinent identifier related to your debt. 2. Reference to Legal Rights: a. Mention that according to Bronx, New York laws, debtors have the right to request that debt collectors cease communication at their place of employment. b. Cite the specific legal code or regulation that supports this right, if applicable. c. Emphasize that this request should be respected for the debtor's privacy and dignity. 3. Request to Cease Communication: a. Politely but firmly state that you are formally requesting that all communication regarding the debt occur via written methods only. b. Clearly state that the debt collector is not to contact you at your place of employment. c. Provide any alternative contact details, such as a preferred mailing address or phone number, where the debt collector should direct future communication. 4. Verification of Receipt: a. Request that the debt collector acknowledges receipt of the letter within a specified timeframe. b. Indicate that failure to acknowledge and adhere to this request may result in legal consequences or complaints to relevant authorities. 5. Closing: a. Thank the debt collector for their attention and cooperation in adhering to your request. b. Encourage them to resolve any further matters, concerns, or questions regarding the debt through the provided alternative contact information. c. Close the letter with a formal closing, followed by your typed full name and signature. Variations of the Bronx New York Letter Informing Debt Collector Not to Communicate with Debtor at Debtor's Place of Employment: 1. General Debt Collector Letter: This variation is the standard letter used to inform debt collectors about the debtor's request not to communicate at their place of employment. 2. Certified Mail Delivery: This variation includes requesting a return receipt for the letter, ensuring proof of delivery and acknowledgement of the debtor's request. 3. Legal Assistance Request: This variation includes a request for legal support and advice in dealing with the debt collector's response or any potential violations of the debtor's rights. 4. Cease and Desist Letter: This variation amplifies the request by stating an intent to take legal action if the debt collector persists in communicating at the debtor's place of employment despite the request. 5. Employer Copy Letter: This variation includes an additional letter addressed to the debtor's employer, informing them of the debtor's legal rights and requesting their cooperation in preventing debt collector communication at the workplace. Note: It is recommended to consult legal professionals or relevant authorities to ensure compliance with specific local laws and regulations when drafting the letter.
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.
