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.
Dear [Debt Collector's Name], I am writing this letter in regard to the constant communication I have been receiving from your collection agency regarding a debt owed. Please note that this letter serves as a formal request for you to cease all communication with me, pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(c). Houston, Texas, is a major city located in Southeast Texas near the Gulf Coast. It is the fourth most populous city in the United States and encompasses an area of approximately 656 square miles. With a diverse population of over 2.3 million residents, Houston is known for its thriving economy, vibrant culture, and world-class attractions. As a resident of Houston, I acknowledge that Texas law grants me the right to request that all debt collection efforts from your agency cease immediately. While I am aware that I have a financial obligation, it is essential to inform you that any further communication from your agency, other than legal actions, will be considered a violation of the Fair Debt Collection Practices Act. Please be informed that I will document and record all communication attempts made by your agency after the receipt of this letter. This serves as legal evidence of your non-compliance with the law and may warrant further action if necessary. I expect your prompt acknowledgement of this request, which includes an assurance that all collection attempts will cease immediately. Kindly respond to this letter within 15 days of your receipt, acknowledging your understanding and commitment to complying with this request. Should your agency fail to adhere to this written request, I reserve the right to pursue legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau and the Attorney General's office, as well as seeking damages in court as provided by law. It is in the best interest of all parties involved to resolve this matter without any unnecessary legal proceedings. Therefore, I urge you to promptly cease all communication related to this debt from this point forward. Thank you for your immediate attention to this matter. I anticipate receiving your written acknowledgement within the specified time frame. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]
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.
