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.
The Kentucky Letter Informing to Debt Collector to Cease Communications with Debtor is a written communication that individuals in Kentucky can use to request debt collectors to stop contacting them regarding a specific debt. This letter is based on the provisions of the Fair Debt Collection Practices Act (FD CPA) and the Kentucky Revised Statutes. The purpose of this letter is to inform the debt collector that the debtor wishes to exercise their rights under the FD CPA and Kentucky law to no longer receive communication from the debt collector. By sending this letter, the debtor is requesting that all attempts to contact them, including phone calls, letters, emails, or any other forms of communication, cease immediately. The letter should clearly state the debtor's name, address, and phone number to ensure proper identification. It should also contain the name and contact information of the debt collector or collection agency that has been attempting to communicate with the debtor. Additionally, providing the specific account or reference number related to the debt in question can help facilitate the process. It is important to note that there are no specific variations or types of the Kentucky Letter Informing to Debt Collector to Cease Communications with Debtor as it is a standard document used to assert the debtor's rights. However, it is advised to tailor the letter to the debtor's specific situation and ensure it complies with Kentucky laws and regulations. Keywords relevant to this topic may include debt collector, communication, Fair Debt Collection Practices Act, Kentucky Revised Statutes, cease, debtor's rights, written communication, phone calls, letters, emails, identification, account number, collection agency, and compliance with laws and regulations.
