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: Wisconsin Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt Introduction: A Wisconsin Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is an important legal document used to demand an end to unwanted contact from debt collectors. This letter is specifically tailored to the legal requirements and provisions of debt collection in the state of Wisconsin. Keywords: Wisconsin, letter, debt collector, cease communications, debtor, refuse to pay, alleged debt. 1. Overview of Wisconsin Debt Collection Laws: Wisconsin has specific laws under the Fair Debt Collection Practices Act (FD CPA) that govern debt collection practices. These laws protect debtors from harassment, abuse, and unfair treatment from debt collectors. 2. Purpose of the Letter: The purpose of this letter is to officially notify the debt collector that the debtor refuses to pay the alleged debt and demands an immediate cease to all communication attempts. It aims to assert the debtor's rights and halt any further harassment or improper debt collection tactics. 3. Essential Components of the Letter: a. Debtor's Contact Information: Provide the debtor's name, address, phone number, and any relevant account or reference numbers associated with the alleged debt. b. Debt Collector's Contact Information: Include the name, address, and contact details of the debt collector or collection agency. c. Statement of Debt Refusal: Clearly state that the debtor denies owing the alleged debt and refuses to make any further payments towards it. d. Request to Cease Communications: Demand that the debt collector immediately and permanently cease all communication attempts regarding the alleged debt, including calls, letters, emails, or any other form of contact. e. Legal Authority and Awareness: Cite relevant portions of the FD CPA, Wisconsin state laws, or any other applicable legal provisions that outline the debtor's rights and the debt collector's obligations. f. Request for Written Confirmation: Request that the debt collector acknowledges the receipt of the letter and provides written confirmation of their compliance with the cease communication request within a specific timeframe. g. Informing of Potential Legal Action: Specify that failure to comply with the cease and desist request may lead to formal legal action against the debt collector as per Wisconsin debt collection laws. 4. Variations of Wisconsin Letters Informing Debt Collectors to Cease Communications: a. Wisconsin Letter Informing Debt Collector to Cease Communications — Initial Request: Used for the first formal request asking the debt collector to stop contacting the debtor. b. Wisconsin Letter Informing Debt Collector to Cease Communications — Reminder Request: Sent if the initial request was ignored or not fully complied with, serving as a reminder to cease communications. c. Wisconsin Letter Informing Debt Collector to Cease Communications — Cease Confirmation Request: Used when requesting written confirmation from the debt collector that they have ceased communication as requested. d. Wisconsin Letter Informing Debt Collector to Cease Communications — Legal Action Warning: Sent if the debt collector continues to ignore the cease and desist request, warning them of potential legal consequences. Conclusion: The Wisconsin Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt is a crucial document for debtors to assert their rights and prevent harassment from debt collectors. It is essential to consult with a legal professional to ensure compliance with Wisconsin state laws while drafting and sending such letters.
