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.
Title: New Hampshire Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt Keywords: New Hampshire, letter, debt collector, cease communications, debtor, alleged debt, refusal to pay Introduction: A New Hampshire Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is a formal written communication from a debtor to a debt collector, instructing them to stop all forms of communication regarding a particular debt. This letter also emphasizes the debtor's refusal to acknowledge or accept the alleged debt. Below are the different types of such letters commonly used in New Hampshire. Types of New Hampshire Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: 1. Simple Cease Communication Letter: This type of letter is concise, straightforward, and requests the debt collector to refrain from contacting the debtor further. It clearly states the debtor's refusal to acknowledge any alleged debt and may include a reference to relevant legal rights, such as the Fair Debt Collection Practices Act (FD CPA). 2. Cease Communication with Third Parties Letter: This letter expands upon the simple cease communication letter by expressly instructing the debt collector to stop contacting any third parties, such as the debtor's family, friends, or employer, in relation to the alleged debt. It emphasizes the debtor's right to privacy and highlights that any such communication would be a violation of the FD CPA. 3. Dispute Alleged Debt and Cease Communication Letter: In addition to instructing the debt collector to cease communication, this letter also disputes the alleged debt. Here, the debtor clearly states that they do not owe the debt and requests the debt collector to provide evidence supporting its validity. It may mention the debtor's rights under the Fair Credit Reporting Act (FCRA) to dispute inaccurate information reported to credit bureaus. 4. Cease Communication by Phone Calls Only Letter: This letter specifically addresses the issue of excessive phone calls made by debt collectors. It demands that all communication must be conducted solely in writing and prohibits any further telephone conversations. It highlights the debtor's right to clarity and documentation, ensuring that all communication is properly documented. Conclusion: The New Hampshire Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt serves as a powerful tool for debtors to exercise their rights and protect their interests. By utilizing the appropriate type of letter, debtors can assert their refusal to acknowledge an alleged debt while demanding that the debt collector ceases all communications accordingly. These letters are crucial in establishing boundaries and ensuring legal compliance by debt collectors in New Hampshire.
