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 Nebraska Letter Informing Debt Collector to Cease Communications with Debtor is a legal document issued by a debtor to a debt collector in order to put an end to any further communication attempts regarding an outstanding debt. This letter is based on the provisions of the Fair Debt Collection Practices Act (FD CPA), which allows debtors to exercise their rights and request that debt collectors cease any form of communication. The purpose of this letter is to assert the debtor's rights and to request that the debt collector respect these rights by refraining from contacting the debtor. The letter should clearly state the debtor's name, mailing address, and any relevant account numbers or reference information to ensure proper identification and association with the outstanding debt. The content of the letter should express the debtor's intention to cease all communication with the debt collector, specifying that any further attempt to communicate will be considered a violation of the FD CPA. The letter should also remind the debt collector that they have the legal obligation to stop all communication except for specific circumstances outlined in the law, such as communicating to inform the debtor about legal actions or the closure of the collection account. Keywords that may be included in the letter to ensure its effectiveness and clarity include "cease and desist communication," "Fair Debt Collection Practices Act," "debt collector's obligations," "violation," "legal action," and "communication exceptions." It is worth noting that there might be variations of this letter based on particular situations or requirements. For example, a specific type of Nebraska Letter Informing Debt Collector to Cease Communications may be needed when dealing with multiple debt collectors for different accounts or when addressing a debt collector who has already violated the FD CPA in their communication attempts. In such cases, it is crucial to consult with a legal professional or research specific templates to address the unique circumstances appropriately.
