Subject: Referral of Account to Collection Agency — Utah Sample Letter Dear [Debtor's Name], We hope this letter finds you well. This communication is to inform you that your account with [Creditor's Name], which pertains to [Brief Description of Account], remains unpaid despite our previous attempts to resolve this matter amicably. Unfortunately, we have now reached a point where it has become necessary to enlist the assistance of a professional collection agency to recover the outstanding balance. As a resident of Utah, you are subject to the laws and regulations that govern debt collection practices within the state. Utah follows the guidelines set forth by the Fair Debt Collection Practices Act (FD CPA), which ensure that both the debtor and the creditor are treated fairly. In light of this, we have decided to refer your account to [Collection Agency's Name], a reputable collection agency licensed to operate in Utah. They specialize in collecting outstanding debts and are authorized to take appropriate actions to secure repayment on behalf of [Creditor's Name]. By referring your account to a collection agency, the following consequences may occur: 1. Collection Efforts: [Collection Agency's Name] will undertake rigorous efforts to contact you regarding the outstanding balance, using various methods such as phone calls, letters, or emails. Their purpose is to establish a mutually acceptable payment arrangement or negotiate a settlement. 2. Reporting to Credit Bureaus: Failure to address the debt may lead to the collection agency reporting your account to the major credit bureaus in accordance with the Fair Credit Reporting Act (FCRA). This could have a negative impact on your credit score and history. 3. Legal Action: If all attempts to reach a resolution fail, the collection agency reserves the right to pursue legal action against you to obtain a judgment in court. This may result in wage garnishment, liens on property, or other legal remedies that may be available to them under Utah law. We understand that facing financial difficulties can be challenging, but it is essential to address your obligations promptly. We highly recommend you reach out to [Collection Agency's Name] without delay to discuss payment options and find a feasible way to settle this matter before further actions are taken. Should you have any questions or require additional information, please contact [Collection Agency's Name] directly at [Collection Agency's Contact Information]. They will be prepared to assist you in resolving the outstanding debt promptly. We sincerely hope that this matter can be resolved promptly without any further consequences. To avoid future complications, we urge you to address this issue as soon as possible. Thank you for your attention to this matter, and we hope for a swift resolution. Sincerely, [Your Name] [Your Title/Position] [Your Contact Information]