Petitioner states that he/she did not receive the required notice under the Fair Debt Collection Act. Petitioner also requests that all foreclosure actions cease until the proper notice is provided stating his/her rights.
District of Columbia Letter to Foreclosure Attorney - Fair Debt Collection - Failure to Provide Notice
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If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any ...
Regardless of how they're contacting you, you have the right to tell a debt collector to stop. This request must be made to the debt collector in writing.
The District of Columbia will soon have in place what may be the most progressive law in the nation protecting consumers from unfair and abusive debt collection practices. On June 7, 2022, the DC Council passed the Protecting Consumers from Unjust Debt Collection Practices Amendment Act of 2021 (B24-0357).
A debt collector may not communicate with a consumer at any unusual time (generally before a.m. or after p.m. in the consumer's time zone) or at any place that is inconvenient to the consumer, unless the consumer or a court of competent jurisdiction has given permission for such contacts.
Section 1006.6(b)(1)(ii) prohibits a debt collector from communicating or attempting to communicate with a consumer in connection with the collection of any debt at any unusual place, or at a place that the debt collector knows or should know is inconvenient to the consumer.
Stopping communication with a debt collector doesn't make the debt go away. In fact, they may find alternative ways to collect it from you. For example, they can file a lawsuit against you or report negative information to a credit reporting company, although that won't always happen.
A debt collector may not communicate with a consumer at any unusual time (generally before a.m. or after p.m. in the consumer's time zone) or at any place that is inconvenient to the consumer, unless the consumer or a court of competent jurisdiction has given permission for such contacts.
General cease and desist request letter template Dear Sir, Re: Pursuant to the Fair Debt Collection Practices Act, I am asking you to cease all communication with me and my acquaintances as well as cease all your collection efforts in relation to the account referenced above.
