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: South Dakota Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt Introduction: In South Dakota, debtors have the right to request debt collectors to cease communication regarding an alleged debt. This letter serves as an official notice to the debt collector, informing them that the debtor refuses to pay the alleged debt and requires no further communications regarding the matter. Keywords: South Dakota, letter, debt collector, cease communication, debtor, alleged debt, refuse to pay Content: [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Debt Collection Agency Name] [Agency Address] [City, State, ZIP Code] Subject: South Dakota Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt Dear [Debt Collection Agency Name], I am writing to address your attempts to contact me regarding an alleged debt. This letter serves as an official notice to request that you cease all communications with me, as I refuse to pay the debt you are claiming. I must clarify that I do not acknowledge this debt as valid, nor do I recognize any legal obligation to pay it. In accordance with the Fair Debt Collection Practices Act (FD CPA) and South Dakota state laws, I demand that you provide me with the following information: 1. Verification of the alleged debt, including details of the original creditor, the original account number, and the nature of the debt. 2. Proof that your agency has been assigned the right to collect this debt from the original creditor. 3. Documentation that you are licensed to collect debts in the state of South Dakota. Without providing the requested information, any further communication regarding this alleged debt will be considered a violation of my rights under the FD CPA and South Dakota state laws. I kindly request that you forward this letter to your client and inform them of my refusal to pay. Additionally, I expect written confirmation from your agency that you have received this correspondence and have ceased all communication regarding this matter. Any future contact from your agency, including phone calls, letters, or emails, will be regarded as harassment, and I reserve the right to take appropriate legal action. Please consider this letter as a final warning before any further actions are pursued. I urge you to comply with the legally mandated obligations and respect my rights as a debtor. Thank you for your immediate attention to this matter. Sincerely, [Your Full Name] [Debtor's Address] [City, State, ZIP Code] Types of South Dakota Letter Informing Debt Collector to Cease Communications: 1. South Dakota Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay an Alleged Debt: This is a template letter for debtors in South Dakota to inform debt collectors that they refuse to pay an alleged debt and request a halt in communication. 2. South Dakota Letter Invoking Rights under FD CPA to Cease Communications with Debt Collector: This letter specifically references the Fair Debt Collection Practices Act (FD CPA) to assert the debtor's rights and cease communication with the debt collector. 3. South Dakota Letter Requesting Validation of Alleged Debt and Cease in Communication: This type of letter demands the debt collector to provide verification of the alleged debt as well as ceasing further communication until the requested documentation is received.
