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.
Hawaii Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: Subject: Cease Communication Regarding Alleged Debt for [Debtor's Full Name] Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to discuss the ongoing communications concerning the alleged debt attributed to [Debtor's Full Name]. It has come to my attention that your company or agency has been contacting me in regard to this matter. Firstly, I would like to assert that [Debtor's Full Name] disputes the existence and validity of the alleged debt. We firmly believe that this debt claim is unfounded and inaccurate. Furthermore, [Debtor's Full Name] has no intention of acknowledging or accepting the responsibility for any alleged debt owed to your company. As per the Fair Debt Collection Practices Act (FD CPA) and the laws of the state of Hawaii, I kindly request that all communications related to this alleged debt cease immediately. Under the FD CPA, section 805(c), I am exercising my rights to demand an end to any contact from your agency. Please consider this letter as my formal notice requesting the termination of any further communication regarding this matter, as permitted by law. To ensure full compliance, I recommend that your agency undertake the following actions: 1. Cease all forms of communication, including phone calls, letters, emails, or any other methods, regarding this alleged debt. 2. Remove [Debtor's Full Name] from your company's or agency's contact list and update your records accordingly. 3. Provide written confirmation, within 30 days of receipt of this letter, stating that all communication attempts have ceased and that [Debtor's Full Name] will no longer be pursued for the alleged debt. 4. Refrain from reporting the alleged debt to any credit bureaus or engaging in any further collection activities against [Debtor's Full Name]. In the event that your company or agency fails to comply with these requests, [Debtor's Full Name] will be forced to take appropriate legal action to protect our rights under the FD CPA and any additional laws applicable in the state of Hawaii. This may include filing a formal complaint against your agency with the Federal Trade Commission (FTC), as well as pursuing any available remedies under state law for violations thereof. We strongly urge you to regard this matter with the utmost seriousness and act accordingly. We expect prompt compliance with this cease communication notice to prevent any unnecessary legal complications. Please confirm in writing, within 10 business days of receiving this letter, that our request has been honored and that [Debtor's Full Name] will no longer be contacted regarding the alleged debt. Your prompt attention to this matter is greatly appreciated. Thank you for your immediate cooperation. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Keywords: Hawaii, letter, informing, debt collector, cease communications, debtor, refuses to pay, alleged debt, Fair Debt Collection Practices Act, FD CPA, dispute, compliance, legal action, state law, Federal Trade Commission, FTC, violation, confirmation.
