Mississippi Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt

State:
Multi-State
Control #:
US-01442BG
Format:
Word; 
Rich Text
Instant download

Description

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.

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FAQ

When you send a cease and desist letter to a debt collector, they are legally required to stop contacting you regarding the alleged debt. This action can alleviate the burden of persistent calls and messages. It’s important to understand that sending this letter does not erase the debt, but it does put the debt collector on notice. For assistance, consider using the uslegalforms platform to create an effective Mississippi Letter Informing Debt Collector to Cease Communications with Debtor.

You can send a cease and desist letter based on various grounds, such as harassment or inaccurate claims regarding alleged debts. If you believe that the debt collector is acting inappropriately, or you dispute the alleged debt, you have the right to stop communications. A well-crafted Mississippi Letter Informing Debt Collector to Cease Communications can clarify your position. It's important to communicate your reasons clearly in the letter.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

If more than one creditor is harassing you for more than one debt, you will need to send each one a cease and desist letter. Even if the same creditor is trying to collect two different debts from you, you must write a letter for each of the two debts.

The FDCPA prohibits debt collectors from calling you repeatedly, using profane language, making threats, or otherwise harassing you. If a debt collector is constantly calling you and causing you stress, sending a cease and desist letter can stop the collector from harassing you.

Try not to let all of the calls badgering you from a debt collector get to you. If you need to take a break, you can use this 11 word phrase to stop debt collectors: Please cease and desist all calls and contact with me, immediately. Here is what you should do if you are being contacted by a debt collector.

You have the right to tell a debt collector to stop communicating with you. To stop communication, send a letter to the debt collector and keep a copy of the letter. The CFPB's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

Your creditors do not have to accept your offer of payment or freeze interest. If they continue to refuse what you are asking for, carry on making the payments you have offered anyway. Keep trying to persuade your creditors by writing to them again.

This letter should be addressed and directed at one creditor only. You'll have to write one for each of the creditors that you want to stop calling you. Sending a cease and desist letter isn't a solution to your problem; it's merely a solution to receiving annoying phone calls.

Answer the phone and explain you're not the person they're looking for. Tell them that they are calling the wrong number. Send a cease and desist letter to them. If they continue to call, file a complaint with the FTC.

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Mississippi Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt