New Jersey Sample Letter for Notice Under Fair Debt Collection Act

• Category: Letters - Legal - Collections
• State: Multi-State
• Control #: US-0737LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: New Jersey Sample Letter for Notice Under Fair Debt Collection Act Dear [Debtor's Name], I hope this letter finds you well. We are writing to inform you that our records indicate there is an outstanding debt in your name, which, as of the date of this notice, is in [arrears/delinquent/collection]. Under the provisions of the Fair Debt Collection Practices Act (FD CPA) and the New Jersey Fair Debt Collection Act (NAFDAC), you have specific rights and protections. This letter serves as formal notice of your rights in accordance with these statutes. Firstly, please note that our agency is licensed to collect debts in the state of New Jersey, and we adhere to strict guidelines outlined by the NAFDAC. Our license number is [License Number]. According to the FD CPA, you have the right to request verification of the debt within 30 days of receiving this notice. If you dispute the debt's validity or any portion thereof, we encourage you to notify us in writing within the stipulated timeframe. Failure to dispute the debt within this period will be considered an acknowledgment of its validity. Furthermore, if you choose to dispute the debt, we are obligated to provide you with the necessary documentation validating it. This includes, but is not limited to, the original contract, statements, or invoices related to the debt. Once we receive your dispute, we will suspend collection efforts until we send you the required verification. In compliance with the NAFDAC, we are required to inform you of the following: 1. Debtor's Rights: — You have the right to dispute the debt's validity or any part of it. — You may request the name and address of the original creditor within 30 days. — You can request, in writing, debt validation or proof of the debt within 30 days. — Once we receive your dispute or request, we will provide verification and other relevant documentation. 2. Prohibited Collection Practices: — We cannot threaten or harass you, your family, or your associates. — We cannot use obscene or abusive language during collection efforts. — We are prohibited from misrepresenting the character, amount, or legal status of the debt. — We cannot falsely imply or claim to be an attorney or a government representative. — We cannot threaten you with arrest, property seizure, or wage garnishment unless permitted by law. 3. Cease and Desist Communication: — If you prefer that we no longer contact you regarding this debt, you may send a cease and desist letter, and we will honor your request. Please note that this does not cancel the debt or your obligations, but simply restricts our communication. Should you have any questions or require further clarification regarding your rights or the debt in question, please do not hesitate to contact our office at [Phone Number] during our business hours, [Operating Hours]. Please remember that this communication is an attempt to collect a debt, and any information obtained will be used for that purpose. We appreciate your immediate attention to this matter and hope to resolve it amicably. Sincerely, [Your Name] [Your Title/Position] [Company Name] [Company Address] [Phone Number] [Email Address] Note: This is a sample letter and may need to be customized to reflect your specific situation and debt collection agency. Always consult with a legal professional or debt collection expert for advice tailored to your circumstances.

Subject: New Jersey Sample Letter for Notice Under Fair Debt Collection Act Dear [Debtor's Name], I hope this letter finds you well. We are writing to inform you that our records indicate there is an outstanding debt in your name, which, as of the date of this notice, is in [arrears/delinquent/collection]. Under the provisions of the Fair Debt Collection Practices Act (FD CPA) and the New Jersey Fair Debt Collection Act (NAFDAC), you have specific rights and protections. This letter serves as formal notice of your rights in accordance with these statutes. Firstly, please note that our agency is licensed to collect debts in the state of New Jersey, and we adhere to strict guidelines outlined by the NAFDAC. Our license number is [License Number]. According to the FD CPA, you have the right to request verification of the debt within 30 days of receiving this notice. If you dispute the debt's validity or any portion thereof, we encourage you to notify us in writing within the stipulated timeframe. Failure to dispute the debt within this period will be considered an acknowledgment of its validity. Furthermore, if you choose to dispute the debt, we are obligated to provide you with the necessary documentation validating it. This includes, but is not limited to, the original contract, statements, or invoices related to the debt. Once we receive your dispute, we will suspend collection efforts until we send you the required verification. In compliance with the NAFDAC, we are required to inform you of the following: 1. Debtor's Rights: — You have the right to dispute the debt's validity or any part of it. — You may request the name and address of the original creditor within 30 days. — You can request, in writing, debt validation or proof of the debt within 30 days. — Once we receive your dispute or request, we will provide verification and other relevant documentation. 2. Prohibited Collection Practices: — We cannot threaten or harass you, your family, or your associates. — We cannot use obscene or abusive language during collection efforts. — We are prohibited from misrepresenting the character, amount, or legal status of the debt. — We cannot falsely imply or claim to be an attorney or a government representative. — We cannot threaten you with arrest, property seizure, or wage garnishment unless permitted by law. 3. Cease and Desist Communication: — If you prefer that we no longer contact you regarding this debt, you may send a cease and desist letter, and we will honor your request. Please note that this does not cancel the debt or your obligations, but simply restricts our communication. Should you have any questions or require further clarification regarding your rights or the debt in question, please do not hesitate to contact our office at [Phone Number] during our business hours, [Operating Hours]. Please remember that this communication is an attempt to collect a debt, and any information obtained will be used for that purpose. We appreciate your immediate attention to this matter and hope to resolve it amicably. Sincerely, [Your Name] [Your Title/Position] [Company Name] [Company Address] [Phone Number] [Email Address] Note: This is a sample letter and may need to be customized to reflect your specific situation and debt collection agency. Always consult with a legal professional or debt collection expert for advice tailored to your circumstances.