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:
This form also also includes follow-up letters repeating your earlier instructions with a warning that the debt collector may face going to court if they continue engaging in behavior that violates the FDCPA.
Suffolk New York Section 805 Communications: Telling Debt Collectors to Stop Communicating with You If you find yourself dealing with debt collectors in Suffolk, New York, it's vital to understand your rights and the legal provisions in place to protect you. One such provision is the Suffolk New York Section 805 communications, which allows individuals to assert their right to stop debt collectors from contacting them. Here's a detailed description of what this means and how it can benefit you. The Suffolk New York Section 805 communications is derived from the Fair Debt Collection Practices Act (FD CPA) — a federal law designed to safeguard consumers from abusive debt collection practices. Section 805 focuses specifically on communications between debt collectors and consumers, setting forth regulations and procedures that collectors must adhere to. Under Section 805, individuals have the right to demand that debt collectors stop communicating with them regarding a debt. This provision allows for a written request known as a "cease communications letter" or a "Suffolk New York Section 805 communications letter." By sending this letter, individuals can effectively halt further contact from debt collectors. The letter must be clear in its intent to stop communication and should include relevant information such as: 1. Your full name and contact information. 2. The debt collector's name, address, and contact details. 3. A statement asserting your rights under Section 805 of the FD CPA. 4. A request for the debt collector to cease all communication regarding the debt. 5. An authorized signature and the date the letter was sent. Upon receiving the letter, debt collectors must comply with your request and cease all communication, except under specific circumstances allowed by law. Debt collectors can only contact you to inform you of actions they intend to take, such as filing a lawsuit or ceasing collection efforts. If they do contact you for any other reason, they may be in violation of the FD CPA. It's important to note that although Section 805 provides a means to stop communication, it does not absolve you of your debt obligations. It simply grants you the right to have debt collectors refrain from contacting you. Legal actions, such as litigation or negotiations, may still need to be pursued to address the underlying debt. In summary, the Suffolk New York Section 805 communications establish an avenue for individuals to assert their rights and halt further communication from debt collectors. By sending a written request to cease communications, you can demand that debt collectors respect your wishes and refrain from contacting you. It's crucial to understand and exercise these rights to ensure a fair and respectful debt collection process.
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.
