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: Rhode Island Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt Introduction: A Rhode Island Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is an official document sent by a debtor in Rhode Island to a debt collector requesting them to stop all forms of communication regarding an alleged debt. This letter acknowledges the alleged debt but asserts the debtor's refusal to pay, emphasizing their legal rights under the Fair Debt Collection Practices Act (FD CPA). Key Points to Include: 1. Cease Communication Request: Begin the letter by explicitly requesting that the debt collector immediately terminate all communication attempts, including phone calls, letters, and emails, regarding the alleged debt. Highlight that the debtor wishes to exercise their rights under the FD CPA and desires no further contact from the debt collector. 2. Reference to FD CPA: Emphasize that the debtor is aware of their rights under the FD CPA, a federal law designed to protect consumers from unfair and abusive debt collection practices. Point out that the debtor expects the debt collector to respect these rights and comply with the law's provisions. 3. Identification of the Debtor: Include the debtor's full legal name, address, phone number, and any other relevant contact information to ensure a clear identification of the individual instructing the debt collector to cease communications. 4. Alleged Debt Acknowledgment: State that the debtor acknowledges the existence of the alleged debt. Mention any information available regarding the nature of the debt, such as the creditor's name, account number, and the date the debt was incurred or last paid. 5. Refusal to Pay Alleged Debt: Clearly state that the debtor refuses to pay the alleged debt. Reiterate the debtor's legal right to challenge the debt's validity and demand that the debt collector provide evidence substantiating the debt, including copies of any signed agreements and account statements. 6. Legal Consequences: Inform the debt collector that any further communication attempts after receiving the letter will be considered a violation of the FD CPA. Specify that the debtor may take legal action against the debt collector if they continue to communicate regarding the alleged debt. 7. Request for Written Confirmation: Politely request that the debt collector acknowledges receipt of the letter by providing written confirmation. This confirmation should include the specific date the debtor's letter was received and affirm that the debt collector will comply with the request to cease communications. Types of Rhode Island Letters Informing Debt Collectors to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: 1. Standard Rhode Island Letter Informing Debt Collector to Cease Communications: This is the general letter template requesting a debt collector to stop contacting the debtor in relation to an alleged debt. 2. Registered Mail Rhode Island Letter Informing Debt Collector to Cease Communications: This specific type of letter is sent via registered mail, providing an added level of verification and proof of delivery. 3. Attorney Representation Rhode Island Letter Informing Debt Collector to Cease Communications: In cases where the debtor has legal representation, this letter informs the debt collector of the debtor's legal counsel, emphasizing that all future communications should be directed to the attorney. Remember, it's crucial to consult with a legal professional or debt advisor to ensure accuracy and compliance with Rhode Island laws when drafting a letter of this nature.
