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.
The Alaska Letter Informing Debt Collector to Cease Communications with Debtor is a legal document issued by a consumer to a debt collector requesting them to stop contacting them regarding the owed debt. This letter is governed by the Fair Debt Collection Practices Act (FD CPA), which is a federal law that protects consumers from unfair and harassing debt collection practices. By sending an Alaska Letter Informing Debt Collector to Cease Communications with Debtor, individuals inform the debt collector that they wish to exercise their rights under the FD CPA to cease all forms of communication and contact regarding the debt. This letter can be sent via certified mail with a return receipt requested, ensuring proof of delivery and receipt. The purpose of this letter is to clearly specify that the debtor does not wish to receive any further communication from the debt collector. The letter should include the debtor's full name, address, and relevant account information such as the creditor's name, account number, and outstanding balance. It is crucial to include specific language within the letter to ensure it is a valid "cease and desist" instruction under the FD CPA. The letter should state unequivocally that the debtor is exercising their rights under the FD CPA and requesting the debt collector to cease all communication attempts, including phone calls, emails, letters, or any other means of contact. The debtor should also be mindful of the timeframe in which they send this letter. Under the FD CPA, debt collectors are required to cease communication upon receiving such a letter, except to inform the debtor of specific actions they may take, such as filing a lawsuit. Additionally, it is important to note that the Alaska Letter Informing Debt Collector to Cease Communications with Debtor may have various names or alternative versions, such as: 1. Cease and Desist Letter to Debt Collector: This version emphasizes the debtor's intention to cease all communication, using the legal term "desist" instead of "stop." 2. Letter to Stop Harassment by Debt Collector: This letter specifically addresses any harassment or abusive practices by the debt collector and demands an immediate end to such behavior. 3. Alaska Do-Not-Contact Letter: Some debtors may refer to the letter as a "do-not-contact" letter, clearly conveying their desire not to be contacted for any reason regarding the debt. 4. Alaska Letter to Request Validation of Debt: This version combines the request to cease communication with a demand for the debt collector to provide validation of the debt in question. In this letter, the debtor is asking the collector to provide proof that the debt is valid and belongs to the debtor. It is important for debtors to consult with legal professionals or familiarize themselves with the specific laws and regulations in their state, such as the Alaska Statutes governing debt collection practices, when preparing and sending such a letter.
