The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
Title: Guam Letter Informing Debt Collector that Debtor is Represented by an Attorney Introduction: When dealing with debt collection efforts in Guam, it is important to understand the legal rights and protections available to debtors. If you find yourself receiving collection letters or calls regarding unpaid debts, you have the option to hire an attorney to represent you in such matters. This letter serves as an official communication to inform the debt collector that you now have legal representation. Keywords: Guam, debt collector, debtor, attorney, legal representation, collection letters, unpaid debts, letter of representation. --- [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collection Agency Name] [Agency Address] [City, State, Zip Code] Subject: Letter of Representation — Notice of Legal Representation Dear Sir/Madam, I hereby write to inform you that I have obtained legal representation in regard to the collection attempts made by your agency pertaining to the outstanding debts that allegedly belong to me. I am represented by [Attorney's Name], an attorney licensed to practice law in Guam. This notice is being forwarded to you to officially inform you of my legal representation in this matter. As my attorney now handles all communication and negotiations on my behalf, I kindly request that all future correspondence regarding the mentioned debts is to be directed solely to them. Any further communication should be sent in writing to [Attorneys Name], at the following address: [Attorney's Name] [Attorney's Address] [City, State, Zip Code] All phone calls, inquiries, or attempts to contact me directly regarding this debt are to be stopped immediately, as they will violate my rights under the Fair Debt Collection Practices Act (FD CPA) and other applicable laws. Failure to respect this notice may lead to legal consequences. Please note that this representation applies to all debts allegedly owed to your agency. Upon receiving this letter, I expect that you will forward it to the relevant departments within your organization and update your records accordingly. Should you have any questions or require additional information, kindly direct your inquiry to my attorney at the provided address. Thank you for your prompt attention to this matter and for respecting my legal rights as a debtor. I anticipate your cooperation in directing all future communications to my attorney. Sincerely, [Your Full Name] [Debtor's Contact Information] --- Types of Guam Letter Informing Debt Collector that Debtor is Represented by an Attorney: 1. Basic Letter of Representation: This type of letter includes essential details, such as the name of the attorney representing the debtor, their contact information, and a request to direct all further communication to the attorney. 2. Cease and Desist Letter: Similar to the basic letter, this type reminds the debt collector of their obligation to cease all communication with the debtor directly. It emphasizes the potential legal consequences of violating the Fair Debt Collection Practices Act (FD CPA). 3. Dispute of Debt Letter: In cases where the debtor disputes the validity or accuracy of the debt, this letter highlights the necessity for the debt collector to provide proper verification and documentation before pursuing further action. Remember to consult with an attorney before sending any legal letters or taking other action to ensure your specific situation is appropriately addressed.
