Connecticut Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act

• Category: Letters - Legal - Collections
• State: Multi-State
• Control #: US-0493LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: Connecticut Sample Letter to Debt Collector Re: Fair Debt Collection and Practices Act Dear [Debt Collector's Name], I am writing to you regarding a debt that your agency claims I owe. Before we proceed any further, I kindly request that you carefully review and acknowledge the Fair Debt Collection and Practices Act (FD CPA), which serves to protect consumers from unfair and abusive debt collection practices. As a resident of Connecticut, I would like to bring to your attention the provisions highlighted in the FD CPA that outline rules and regulations specific to debt collection in our state. Connecticut has supplemented the federal act with its own laws addressing debt collection practices, including the Connecticut Fair Debt Collection Practices Act (CFD CPA). In accordance with both the FD CPA and the CFD CPA, I expect your agency to adhere to the following regulations: 1. Proper Documentation: I request that you provide me with detailed information regarding the debt in question. This includes the original creditor's name, contact information, and account number, as well as any contractual agreements or proof of my agreement to assume the debt. 2. Verification of Debt: Pursuant to the FD CPA, I have the right to request verification of the debt within 30 days of receiving your initial notice. I demand that you provide me with proof that the alleged debt is valid, accurate, and lawfully assigned to your agency. This verification should explicitly state the amount owed, the nature of the debt, and the dates of all transactions related to the debt. 3. Cease and Desist: If your agency is unable to validate the debt or fails to respond within the 30-day timeframe, I demand that you immediately cease all communications with me, except to provide the required verification. Any further contact that does not comply with the FD CPA and CFD CPA will be considered harassment and a violation of my rights. 4. Prohibited Communication Practices: Please be aware that the FD CPA strictly regulates debt collectors' communication with consumers. I expect compliance with the following: a. Avoid contacting me early in the morning or late at night. b. Cease all communication at my workplace if my employer prohibits such contact. c. Do not discuss my debt with any third parties, including family, friends, or coworkers. d. Respect my request for written communication rather than phone calls. It is crucial that your agency understands that any violations of the FD CPA and CFD CPA will result in legal action being taken against you. I am well aware of my rights as a consumer and will not hesitate to exercise them if necessary. I request that you acknowledge receipt of this letter within 10 days and inform me of your agency's course of action regarding the debt in question. Failure to comply with this request may result in a complaint being filed with the Federal Trade Commission, the Connecticut Department of Banking, and my legal counsel. Please address all future correspondence to my mailing address provided below: [Your Name] [Your Address] [City, State, ZIP Code] Thank you for your prompt attention to this matter. Sincerely, [Your Name]

Subject: Connecticut Sample Letter to Debt Collector Re: Fair Debt Collection and Practices Act Dear [Debt Collector's Name], I am writing to you regarding a debt that your agency claims I owe. Before we proceed any further, I kindly request that you carefully review and acknowledge the Fair Debt Collection and Practices Act (FD CPA), which serves to protect consumers from unfair and abusive debt collection practices. As a resident of Connecticut, I would like to bring to your attention the provisions highlighted in the FD CPA that outline rules and regulations specific to debt collection in our state. Connecticut has supplemented the federal act with its own laws addressing debt collection practices, including the Connecticut Fair Debt Collection Practices Act (CFD CPA). In accordance with both the FD CPA and the CFD CPA, I expect your agency to adhere to the following regulations: 1. Proper Documentation: I request that you provide me with detailed information regarding the debt in question. This includes the original creditor's name, contact information, and account number, as well as any contractual agreements or proof of my agreement to assume the debt. 2. Verification of Debt: Pursuant to the FD CPA, I have the right to request verification of the debt within 30 days of receiving your initial notice. I demand that you provide me with proof that the alleged debt is valid, accurate, and lawfully assigned to your agency. This verification should explicitly state the amount owed, the nature of the debt, and the dates of all transactions related to the debt. 3. Cease and Desist: If your agency is unable to validate the debt or fails to respond within the 30-day timeframe, I demand that you immediately cease all communications with me, except to provide the required verification. Any further contact that does not comply with the FD CPA and CFD CPA will be considered harassment and a violation of my rights. 4. Prohibited Communication Practices: Please be aware that the FD CPA strictly regulates debt collectors' communication with consumers. I expect compliance with the following: a. Avoid contacting me early in the morning or late at night. b. Cease all communication at my workplace if my employer prohibits such contact. c. Do not discuss my debt with any third parties, including family, friends, or coworkers. d. Respect my request for written communication rather than phone calls. It is crucial that your agency understands that any violations of the FD CPA and CFD CPA will result in legal action being taken against you. I am well aware of my rights as a consumer and will not hesitate to exercise them if necessary. I request that you acknowledge receipt of this letter within 10 days and inform me of your agency's course of action regarding the debt in question. Failure to comply with this request may result in a complaint being filed with the Federal Trade Commission, the Connecticut Department of Banking, and my legal counsel. Please address all future correspondence to my mailing address provided below: [Your Name] [Your Address] [City, State, ZIP Code] Thank you for your prompt attention to this matter. Sincerely, [Your Name]