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.
Maine Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is a formal written communication sent by a debtor residing in Maine to a debt collector. This letter explicitly requests the debt collector to stop all communications regarding the alleged debt and informs them of the debtor's refusal to pay. Keywords: Maine, letter, informing, debt collector, cease communications, debtor, refuses to pay, alleged debt. In the State of Maine, there are different variations of the Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt. These may include: 1. Maine Revised Statutes Title 9-A, § 8-307 Letter: This letter cites the specific Maine law that grants debtors the right to notify debt collectors to stop all communications. It provides detailed instructions on how to properly notify the debt collector to cease contact. 2. Maine Fair Debt Collection Practices Act (FD CPA) Letter: This letter incorporates the provisions of the Maine FD CPA, which protects debtors from abusive and deceptive debt collection practices. It outlines the debtor's refusal to pay the alleged debt and demands that the debt collector adhere to the rules and regulations set forth in the Maine FD CPA. 3. Maine Attorney General Complaint Letter: In some cases, debtors may choose to file a complaint with the Maine Attorney General's Office regarding the debt collector's actions. This letter notifies the debt collector of the pending complaint and emphasizes the debtor's decision to cease communication until the matter is resolved. Each variation of the Maine Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt serves the common purpose of formally notifying debt collectors of the debtor's refusal to acknowledge or pay the alleged debt and their request to cease communications. It is important for debtors to refer to the specific Maine laws and regulations governing debt collection practices ensuring that their communication is compliant and legally effective. Seeking legal advice or assistance from a consumer protection attorney may be advisable when drafting and sending such a letter.
