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.
A South Dakota Letter Informing to Debt Collector to Cease Communications with Debtor is a written document that an individual or debtor can send to a debt collector in order to request that they stop contacting them about a specific debt. This letter is based on the provisions outlined in the Fair Debt Collection Practices Act (FD CPA) and similar state laws that regulate debt collection practices. The purpose of this letter is to inform the debt collector that the debtor wishes to exercise their rights under the FD CPA to cease communication regarding the debt. By sending this letter, the debtor aims to put an end to any further contact from the debt collector, including calls, letters, emails, or any form of communication. The South Dakota Letter Informing to Debt Collector to Cease Communications with Debtor should include relevant keywords to ensure its effectiveness. These keywords may encompass: 1. Debtor's personal information: The letter should include the debtor's full name, address, phone number, and any other relevant identifying information. This information helps the debt collector identify the specific individual requesting the cessation of communication. 2. Debt information: The letter should clearly state the debt that the debtor is referring to, including the name of the creditor, the outstanding balance, and any relevant account numbers associated with the debt. This information helps the debt collector identify the specific debt that the debtor wants to cease communication about. 3. Cease communication request: The letter should explicitly state that the debtor is exercising their rights under the FD CPA and requesting that the debt collector cease all communication regarding the debt. The debtor may also request that the debt collector confirm in writing that they will no longer communicate about the debt. 4. Legal references: To strengthen the letter's validity and enforceability, the debtor may want to cite relevant sections of the FD CPA or South Dakota state laws that support their request to cease communication. This helps provide a legal basis for the request and shows the debtor's awareness of their rights. Different types of South Dakota Letter Informing to Debt Collector to Cease Communications with Debtor may include variations in tone, specific legal references, or additional language to emphasize the debtor's desired outcome. However, the basic structure and content remain consistent across these letters. It's crucial to keep copies of the letter and any correspondence related to the debt in case of future disputes or violations of the FD CPA. Additionally, it is recommended that the letter be sent via certified mail with a return receipt requested to ensure proof of delivery.
