The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor.
The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects.
Title: Puerto Rico Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment Introduction: In Puerto Rico, debt collection practices are governed by various laws, which provide protection to debtors against unfair and harassment tactics employed by debt collectors. One such important provision is the ability for debtors to halt communication from debt collectors at their place of employment. This letter aims to inform debt collectors in Puerto Rico about the legally binding request not to contact debtors at their workplace. Below, we will discuss the key components, legal requirements, and different types of letters that can be used for this purpose. I. Key Components: A. Debtor's Information: Include the full name, address, contact number, and email address of the debtor. B. Debt Collector's Information: Provide the name, address, contact number, and email address of the debt collection agency involved. C. Notice to Stop Contact: Clearly state that the debtor is requesting the debt collector to cease all communication at their place of employment, in accordance with Puerto Rico law. D. Effective Date: Specify the date from which the request becomes effective and the duration for which it remains valid. Typically, it is recommended to set the effectiveness indefinitely until revoked in writing. II. Legal Requirements: A. Puerto Rico Fair Debt Collection Practices Act (PRADA): The PRADA sets guidelines and restrictions on communication methods used by debt collectors in Puerto Rico. Section 71(i) clarifies that debt collectors shall not communicate, in connection with the collection of any debt, with a debtor at their place of employment if the debtor requests such discontinuation. B. Providing Written Notice: Under Puerto Rico law, debtors are required to provide written notice to the debt collector requesting the cessation of communications at their workplace. III. Types of Letters: 1. Initial Letter Request: This type of letter should be sent as soon as a debtor becomes aware of the debt collector's attempts to communicate at their place of employment. 2. Cease and Desist Letter: If debt collectors continue to contact the debtor at their workplace after the initial request, a cease and desist letter can be sent to the collection agency, asserting the debtor's rights and emphasizing the legal consequences of non-compliance. 3. Reminder Letter: If a written request has been submitted but the debt collector persists in contacting the debtor at their workplace, a reminder letter can be sent, reminding them of their obligations under Puerto Rico law and the potential legal consequences. Conclusion: It is crucial for debtors in Puerto Rico to understand their rights and the legal remedies available to protect them from undue harassment by debt collectors. By utilizing a letter informing debt collectors not to communicate at the debtor's place of employment, debtor's can exercise their rights under Puerto Rico law and seek respite from intrusive collection tactics.
Title: Puerto Rico Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment Introduction: In Puerto Rico, debt collection practices are governed by various laws, which provide protection to debtors against unfair and harassment tactics employed by debt collectors. One such important provision is the ability for debtors to halt communication from debt collectors at their place of employment. This letter aims to inform debt collectors in Puerto Rico about the legally binding request not to contact debtors at their workplace. Below, we will discuss the key components, legal requirements, and different types of letters that can be used for this purpose. I. Key Components: A. Debtor's Information: Include the full name, address, contact number, and email address of the debtor. B. Debt Collector's Information: Provide the name, address, contact number, and email address of the debt collection agency involved. C. Notice to Stop Contact: Clearly state that the debtor is requesting the debt collector to cease all communication at their place of employment, in accordance with Puerto Rico law. D. Effective Date: Specify the date from which the request becomes effective and the duration for which it remains valid. Typically, it is recommended to set the effectiveness indefinitely until revoked in writing. II. Legal Requirements: A. Puerto Rico Fair Debt Collection Practices Act (PRADA): The PRADA sets guidelines and restrictions on communication methods used by debt collectors in Puerto Rico. Section 71(i) clarifies that debt collectors shall not communicate, in connection with the collection of any debt, with a debtor at their place of employment if the debtor requests such discontinuation. B. Providing Written Notice: Under Puerto Rico law, debtors are required to provide written notice to the debt collector requesting the cessation of communications at their workplace. III. Types of Letters: 1. Initial Letter Request: This type of letter should be sent as soon as a debtor becomes aware of the debt collector's attempts to communicate at their place of employment. 2. Cease and Desist Letter: If debt collectors continue to contact the debtor at their workplace after the initial request, a cease and desist letter can be sent to the collection agency, asserting the debtor's rights and emphasizing the legal consequences of non-compliance. 3. Reminder Letter: If a written request has been submitted but the debt collector persists in contacting the debtor at their workplace, a reminder letter can be sent, reminding them of their obligations under Puerto Rico law and the potential legal consequences. Conclusion: It is crucial for debtors in Puerto Rico to understand their rights and the legal remedies available to protect them from undue harassment by debt collectors. By utilizing a letter informing debt collectors not to communicate at the debtor's place of employment, debtor's can exercise their rights under Puerto Rico law and seek respite from intrusive collection tactics.
