Connecticut Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt

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US-01442BG
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Description

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.

Connecticut Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP Code] Subject: Cease Communication regarding alleged debt of [Debtor's Name] Certified Mail#: [Certified Mail Number] Dear [Debt Collector's Name], I am writing regarding your recent communication regarding the alleged debt of [Debtor's Name]. We dispute the validity of this debt and hereby exercise our rights under the Fair Debt Collection Practices Act (FD CPA) and the Connecticut Fair Debt Collection Practices Act (CFD CPA) to request that all communication cease immediately. As outlined by both the FD CPA and CFD CPA, I hereby demand that you cease all communication with [Debtor's Name], including but not limited to phone calls, letters, emails, or any other form of communication regarding this debt. Pursuant to § 36a-809 of the Connecticut General Statutes, [Debtor's Name] refuses to pay the alleged debt and disputes its validity. It is essential that you provide in writing the current status of the alleged debt, including the name and address of the original creditor, the total amount owed, a detailed breakdown of charges, and any supporting documentation you possess, such as the original contract or agreement between the creditor and the debtor. Furthermore, I urge you to respect the rights of [Debtor's Name] and refrain from reporting this alleged debt to any credit reporting agencies. Failure to comply with this request will result in legal action being taken against your agency in accordance with applicable state and federal laws, including but not limited to the FD CPA and CFD CPA. Please consider this letter a formal notice of our dispute and a written request to cease all communication. Any further communication from your agency regarding this alleged debt will be considered a violation of our rights and will be reported to the appropriate authorities. We expect your full compliance with this request within 10 business days from the receipt of this letter. Failure to do so will leave us with no choice but to take legal action to enforce our rights under the FD CPA and CFD CPA. Thank you for your immediate attention to this matter. Sincerely, [Your Name] [Your Contact Number] [Your Email Address] Keywords: Connecticut, letter, informing, debt collector, cease communications, debtor, refuses to pay, alleged debt, Fair Debt Collection Practices Act, FD CPA, Connecticut Fair Debt Collection Practices Act, CFD CPA, dispute, validity, communication, phone calls, letters, emails, complaint, legal action, credit reporting agencies, violation, formal notice, rights, report, compliance, business days.

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FAQ

If more than one creditor is harassing you for more than one debt, you will need to send each one a cease and desist letter. Even if the same creditor is trying to collect two different debts from you, you must write a letter for each of the two debts.

Many experts recommend waiting 90 days after your invoice's due date to send someone to collections. You can ask the nonpaying client to pay their debt once the due date arrives you just can't refer them to collections at that point.

You have the right to tell a debt collector to stop communicating with you. To stop communication, send a letter to the debt collector and keep a copy of the letter. The CFPB's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

Cease and desist letters increase your chances of being sued The reaction is quite simple: when you send a cease and desist letter to a collection agency, collection attorney, or to your original creditor, you leave them only one way to effectively collect from you: filing a lawsuit.

If you want a debt collector or collection agency to stop contacting you, you can send a Cease and Desist Letter asking that communication stop. You can also send other communications to request additional information about the alleged debt or set limitations on contacts.

Among the insider tips, Ulzheimer shared with the audience was this: if you are being pursued by debt collectors, you can stop them from calling you ever again by telling them '11-word phrase'. This simple idea was later advertised as an '11-word phrase to stop debt collectors'.

According to the FDCPA, a debt collector can only contact you, your attorney, or a consumer reporting agency. According to the FDCPA, a debt collector can not: Contact you before am or after pm in your time zone or at an inconvenient time. Contact you at your place of employment.

This letter should be addressed and directed at one creditor only. You'll have to write one for each of the creditors that you want to stop calling you. Sending a cease and desist letter isn't a solution to your problem; it's merely a solution to receiving annoying phone calls.

Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.

The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides a mechanism for you to stop debt collectors from contacting you. You can do this by sending a Cease and Desist Letter. Federal law allows you to communicate with debt collectors to tell them that you want them to stop contacting you.

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Connecticut Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt