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.
Title: Colorado Letter Informing Debt Collector to Cease Communications with Debtor and Debtor Refuses to Pay Alleged Debt Introduction: A Colorado Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is a legal document used by individuals residing in Colorado to address and assert their rights in situations involving alleged debts and debt collection practices. This detailed description will provide an overview of the main elements included in such a letter, along with the potential types of variations based on specific circumstances. Main Content: 1. Appropriate Salutation and Introductory Paragraph: The letter should begin with a professional salutation, addressing the appropriate party or collection agency. It should clearly state that the purpose of the letter is to demand that the debt collector ceases all communication attempts regarding the alleged debt, and notify them that the debtor refuses to make any payments towards the alleged debt. 2. Personal Information and Account Details: The letter should include the debtor's full name, mailing address, and contact information. Additionally, any account numbers, reference numbers, or other identification related to the alleged debt should be clearly stated to allow the debt collector to accurately identify the case. 3. Debt Verification: The letter should request the debt collector to provide proper verification and documentation of the alleged debt, as required by the Fair Debt Collection Practices Act (FD CPA) and the Colorado Fair Debt Collection Practices Act (CFD CPA). This verification should include the name of the original creditor, details of the debt amount, dates of the debt, and any other relevant supporting documents. 4. Assertion of Rights: The letter should assert the debtor's rights under the FD CPA and CFD CPA, stating that the debtor is aware of their protections against harassment, false representations, or unfair debt collection practices. It should emphasize that any continued communication by the debt collector will be considered a violation of these laws. 5. Cease Communication Request: Clearly state that the debtor demands the debt collector to cease all communication attempts, whether it be phone calls, letters, emails, or any other means of contact. Emphasize that any further communication will be considered an infringement of the debtor's rights. 6. Legal Consequences and Reporting: Warn the debt collector that failure to comply with the cease communication request and continuing attempts to collect the alleged debt may result in taking legal action against them. Mention that any violations will be reported to the appropriate regulatory bodies, such as the Consumer Financial Protection Bureau (CFPB). 7. Request for Written Response: Include a provision requesting the debt collector to provide written confirmation that they have received and complied with the cease communication request/warning. Ask for acknowledgement within a reasonable time frame. Types of Colorado Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: 1. Personalized Debt Validation Letter: This letter specifically requests the debt collector to provide evidence of the alleged debt before any further communication or payment demands are made. 2. Debt Dispute Letter: This type of letter is used when the debtor believes that the alleged debt is not valid or accurate. It includes additional explanations or evidence to support the debtor's claim. 3. Cease Communication Complaint Letter: If the debt collector persists in communicating despite the debtor's cease communication request, this letter formally complains about their actions and threats of legal action. Conclusion: A well-crafted Colorado Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt serves as a powerful tool for asserting an individual's rights under the law. By following the guidelines and including all necessary details, debtors can effectively communicate their position and seek resolution while protecting themselves from potential harassment or unfair practices.
