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 Wisconsin Letter Informing to Debt Collector to Cease Communications with Debtor is a formal request sent by an individual to a debt collector, requesting them to cease all communication with them regarding a particular debt. This letter is typically sent when an individual wishes to exercise their rights under the Fair Debt Collection Practices Act (FD CPA) and the Wisconsin Consumer Act (WPA) to stop the debt collector from contacting them. The letter should clearly identify the debtor's name, address, and contact information, as well as the name and address of the debt collector or agency. It should reference the specific debt in question, providing details such as the account number, amount owed, and the date it was incurred. The letter should also clearly state the debtor's intention to cease all communication with the debt collector, requesting them to refrain from contacting them by any means, including phone calls, letters, and emails. This indicates the debtor's preference for written communication only, if necessary, and the request for proof of the debt, as allowed under the FD CPA and WPA. Different variations of the Wisconsin Letter Informing to Debt Collector to Cease Communications with Debtor may include additional details or requests, depending on the debtor's specific situation. For example, some debtors may request that the debt collector only communicate with their attorney, if they have legal representation. Others may require a validation of the debt, seeking additional information or documentation to verify its legitimacy and accuracy. In some cases, debtors may also include a cease and desist warning in the letter, informing the debt collector of potential legal consequences if they fail to adhere to the request to cease communication. This warning serves as a reminder to the debt collector that they must comply with the debtor's rights under the FD CPA and WPA, or face potential legal action. It is crucial for debtors to keep a copy of the letter and any correspondences with the debt collector for future reference and potential legal proceedings. Sending the letter via certified mail with return receipt requested is recommended to ensure proof of delivery. Overall, the Wisconsin Letter Informing to Debt Collector to Cease Communications with Debtor is an important legal document that allows individuals in debt to exercise their rights and establish boundaries with debt collection agencies.
