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.
