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.
A Mississippi Letter Informing to Debt Collector to Cease Communications with Debtor is a formal written notice sent by a debtor to a debt collector requesting them to stop contacting them regarding a specific debt. This letter aims to assert the debtor's rights as protected by the Fair Debt Collection Practices Act (FD CPA) and the Mississippi Consumer Protection Act. The letter should clearly state the debtor's name, address, and contact information at the beginning. It should then address the debt collector's contact information, including their name, address, and phone number. The subject or reference line should state "Cease and Desist Communication Regarding Debt." The debtor should assert their desire for the debt collector to stop all communication attempts concerning the debt in question. It is crucial to clearly mention that they refuse any phone calls, letters, emails, or any form of communication from the debt collector, including third parties acting on their behalf. To further support the debtor's position, it is vital to refer to the relevant laws that protect them. For Mississippi, the letter should mention the Mississippi Consumer Protection Act, Mississippi Code Annotated § 69-9-201 et seq., and the Fair Debt Collection Practices Act (FD CPA), 15 U.S.C. § 1692 et seq. This helps to ensure that the debt collector is aware of their legal obligations. The letter should also remind the debt collector that continued communication, despite the debtor's request to cease, or any attempts to collect the debt without following proper legal procedures, may result in legal action being taken against them. It is essential to remain firm but polite throughout the letter. The debtor may consider sending the letter via certified mail with a return receipt requested, ensuring that there is proof of delivery. This provides evidence in case of any future dispute regarding the debt collector's compliance with the cease and desist request. Different types or variations of the Mississippi Letter Informing to Debt Collector to Cease Communications with Debtor may include: 1. Initial Cease and Desist Letter: This is the first letter sent to the debt collector, explicitly requesting the cessation of communication concerning the debt. 2. Follow-up Cease and Desist Letter: If the debt collector continues to communicate despite the initial letter, a follow-up letter may be necessary. This letter should reiterate the request, mention the previous communication, and remind the debt collector of their obligations under the mentioned laws. 3. Cease and Desist Letter to Third Parties: In certain instances, debt collectors may contact third parties, such as family members or employers, regarding the debt. A specific letter can be written, explicitly instructing the debt collector to refrain from contacting any third parties. Remember, it is important to consult with a legal professional or debt counseling agency for guidance and assistance in preparing and sending the Mississippi Letter Informing to Debt Collector to Cease Communications with Debtor.
