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: Georgia Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt Keywords: Georgia, debt collector, debtor, cease communications, alleged debt, refusal to pay Introduction: In the state of Georgia, debtors have legal rights and protections against aggressive debt collection practices. This detailed letter informs the debt collector that the debtor refuses to pay the alleged debt and requests an immediate cessation of all communication attempts. There may be several variations of this letter, tailored to different circumstances. Here are some common types: 1. Georgia Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt — Financial Hardship Variation Dear [Debt Collector's Name], I am writing this letter to express my refusal to pay the alleged debt in question, as I am facing severe financial hardship at the moment. It is my right as a debtor in Georgia to request that you cease all communication attempts regarding this matter immediately. Pursuant to the Fair Debt Collection Practices Act (FD CPA) and the Georgia Fair Business Practices Act (BPA), I expect full compliance from your agency. 2. Georgia Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt — Dispute Variation Dear [Debt Collector's Name], This letter serves as formal notice that I refuse to pay the alleged debt you claim I owe. I believe there may be an error or miscalculation regarding this debt, and I am in the process of investigating and disputing it. In accordance with the FD CPA and the BPA, I demand that you immediately cease all communication attempts related to this alleged debt while the matter is under dispute. 3. Georgia Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt — Statute of Limitations Variation Dear [Debt Collector's Name], I am writing to inform you that I refuse to pay the alleged debt, as the statute of limitations has expired. Based on my understanding of Georgia's debt collection laws, the statute of limitations for pursuing legal action to collect a debt has elapsed. In light of this fact, I demand that you immediately cease all communication attempts regarding this debt. Content: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collection Agency's Name] [Debt Collection Agency's Address] [City, State, ZIP Code] Subject: Cease Communications Regarding Alleged Debt — Refusal to Pay Dear [Debt Collector's Name], I am writing in response to your persistent attempts to collect an alleged debt, referenced [Debt Reference Number], which you claim I owe. This letter serves as formal notice that I refuse to pay the alleged debt, and I demand that you cease all communication attempts concerning this matter immediately. [Provide relevant details about the alleged debt, such as debt amount, creditor name, and any account numbers, if available.] I want to make it explicitly clear that I am aware of my rights as a debtor under the FD CPA and the BPA. I understand that debt collectors are restricted from engaging in unfair, false, or deceptive practices. With this in mind, any further attempts to contact me, whether by phone, mail, or any other means, will be considered a violation of my rights, and I reserve the right to pursue legal action if necessary. Please take note of the following requests: 1. Cease all communication attempts: I demand that you immediately stop contacting me via phone calls, letters, emails, or any other method in relation to the alleged debt. 2. Validation of the alleged debt: If you choose to continue pursuing this matter, I insist that you provide me with thorough validation of the alleged debt, including all relevant documentation supporting your claim. 3. No third-party communication: You are hereby advised that any communication with third parties, such as family members, friends, or colleagues, regarding this alleged debt is strictly prohibited under the FD CPA and Georgia state laws. 4. Legal representation: I reserve the right to seek legal counsel if your agency fails to comply with the cease communication request or if any unlawful collection practices continue. Please consider this letter a final warning, urging your agency to respect my rights and cease all communication attempts regarding the alleged debt. Failure to comply with this request will leave me with no choice but to exercise my legal rights to protect myself from any further harassment. Your immediate attention to this matter is expected. Sincerely, [Your Name]
