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.
An Oregon Letter Informing to Debt Collector to Cease Communications with Debtor is a formal written document that requests a debt collector to stop all communication with a debtor. This letter is typically sent when a debtor wants to put an end to the collection calls, letters, or any other form of communication from the debt collector. The purpose of this letter is to exercise the debtor's rights protected by the Fair Debt Collection Practices Act (FD CPA), a federal law that prohibits unfair debt collection practices. Additionally, this letter serves as written evidence that the debtor has explicitly requested the debt collector to stop contacting them. In order to be effective, the letter should be clear, concise, and include relevant information. Here are the key elements that should be included in an Oregon Letter Informing to Debt Collector to Cease Communications with Debtor: 1. Heading: Include your name, address, and contact information at the top of the letter. 2. Date: The date on which the letter is being written. 3. Debt Collector's Information: Clearly identify the debt collector by stating their company name, address, and any other relevant contact details you may have. 4. Debtor's Information: Mention your full name, address, and contact details. Be consistent with the information you provide, ensuring it matches the information the debt collector has. 5. Account Reference: Provide the specific account or reference number associated with the debt. This will assist the debt collector in locating your account in their systems. 6. Statement of Request: State clearly and assertively that you are requesting the debt collector to cease all communications with you. Use formal language and avoid ambiguity in your request. 7. Desired Method of Communication: Indicate how you would prefer future communication to occur. You may specify alternative channels such as email or postal mail, or state that you only wish to receive written communication. 8. Legal Reference: Cite relevant laws that protect your rights as a debtor, such as the FD CPA, and state that you are exercising those rights. 9. Warning of Legal Action: In some cases, debt collectors may attempt to skirt the law by continuing to communicate despite receiving the cease communications request. Mention that any further communication will be considered a violation of the law and may result in legal action. 10. Proof of Delivery: Request a written confirmation from the debt collector acknowledging receipt of the letter and their commitment to cease communications. It is worth noting that there may be variations of the Oregon Letter Informing to Debt Collector to Cease Communications with Debtor depending on specific circumstances. These variations often arise from legal advice, unique situations, or personal requirements. Therefore, it is advisable to consult with a legal professional or research specific templates that align with the specific circumstances of the debtor.
