The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. This Act sets forth strict rules regarding communicating with the debtor.
The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects. If the debtor tells the creditor the name of his attorney, any future contacts must be made with the attorney and not with the debtor.
Subject: West Virginia Debt Collection Letter — Notice of Days and Time for Contacting Debtor Keywords: West Virginia, debt collector, informing, letter, days and time, contact debtor Dear [Debt Collector's Name], RE: West Virginia Debt Collection Notice — Restricted Days and Time for Contacting Debtor I am writing to inform you, as a debt collector, of the rules and regulations set forth in the state of West Virginia regarding the permissible days and time during which you may contact me in regard to the outstanding debt. West Virginia law, under the Fair Debt Collection Practices Act (WV Code § 46A-2-128), ensures that debt collectors adhere to certain limitations in their communication with debtors. It is imperative that you comply with these guidelines to maintain a fair and ethical approach to debt collection. The purpose of this letter is to provide you with a written notice explicitly stating the days and times in which you are authorized to contact me regarding the aforementioned debt. By informing you of my preferences, I expect that all future communications from your agency will respect the boundaries outlined herein. Officially, I hereby request that you restrict your contact with me during the following days and times: 1. Days: Monday to Friday (excluding legal holidays) 2. Time: Between 9:00 AM and 6:00 PM Eastern Standard Time (EST) Please be advised that any unsolicited or prohibited contact falling outside the said days and times will be considered a violation of West Virginia debt collection laws. Such infractions will be reported to the appropriate authorities, including the West Virginia Division of Financial Institutions, to ensure strict adherence to legal protocols. Moreover, please note that I reserve the right to modify these contact preferences in the future; however, any adjustments made shall be provided to you in writing, ensuring all parties are well-informed and any confusion is avoided. I kindly request that you acknowledge receipt of this notice within [provide a reasonable time frame, e.g., 10 business days] from the date of this letter. Your prompt response will help establish an efficient and respectful debt collection process. In conclusion, I trust that by communicating my preferred days and times for contact, we can foster a more transparent and mutually beneficial working relationship. Your compliance with the specified restrictions is expected and greatly appreciated. Thank you for your attention to this matter. I look forward to resolving this debt in a fair and amicable manner. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Additional Types of West Virginia Debt Collection Letters for Informing a Debt Collector of Restricted Days and Time: 1. West Virginia Debt Collection Letter — Limited Hours of Contact: This letter specifies the specific hours of the day during which the debtor consents to being contacted, without any restrictions on the days. 2. West Virginia Debt Collection Letter — Non-Contact Request: This letter requests a complete cessation of contact via phone or mail by the debt collector, providing an alternative method of communication if necessary. 3. West Virginia Debt Collection Letter — Modification of Contact Details: This letter serves as a notice to update the debtor's contact information, such as phone number or mailing address, ensuring effective communication while abiding by West Virginia debt collection laws.Subject: West Virginia Debt Collection Letter — Notice of Days and Time for Contacting Debtor Keywords: West Virginia, debt collector, informing, letter, days and time, contact debtor Dear [Debt Collector's Name], RE: West Virginia Debt Collection Notice — Restricted Days and Time for Contacting Debtor I am writing to inform you, as a debt collector, of the rules and regulations set forth in the state of West Virginia regarding the permissible days and time during which you may contact me in regard to the outstanding debt. West Virginia law, under the Fair Debt Collection Practices Act (WV Code § 46A-2-128), ensures that debt collectors adhere to certain limitations in their communication with debtors. It is imperative that you comply with these guidelines to maintain a fair and ethical approach to debt collection. The purpose of this letter is to provide you with a written notice explicitly stating the days and times in which you are authorized to contact me regarding the aforementioned debt. By informing you of my preferences, I expect that all future communications from your agency will respect the boundaries outlined herein. Officially, I hereby request that you restrict your contact with me during the following days and times: 1. Days: Monday to Friday (excluding legal holidays) 2. Time: Between 9:00 AM and 6:00 PM Eastern Standard Time (EST) Please be advised that any unsolicited or prohibited contact falling outside the said days and times will be considered a violation of West Virginia debt collection laws. Such infractions will be reported to the appropriate authorities, including the West Virginia Division of Financial Institutions, to ensure strict adherence to legal protocols. Moreover, please note that I reserve the right to modify these contact preferences in the future; however, any adjustments made shall be provided to you in writing, ensuring all parties are well-informed and any confusion is avoided. I kindly request that you acknowledge receipt of this notice within [provide a reasonable time frame, e.g., 10 business days] from the date of this letter. Your prompt response will help establish an efficient and respectful debt collection process. In conclusion, I trust that by communicating my preferred days and times for contact, we can foster a more transparent and mutually beneficial working relationship. Your compliance with the specified restrictions is expected and greatly appreciated. Thank you for your attention to this matter. I look forward to resolving this debt in a fair and amicable manner. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Additional Types of West Virginia Debt Collection Letters for Informing a Debt Collector of Restricted Days and Time: 1. West Virginia Debt Collection Letter — Limited Hours of Contact: This letter specifies the specific hours of the day during which the debtor consents to being contacted, without any restrictions on the days. 2. West Virginia Debt Collection Letter — Non-Contact Request: This letter requests a complete cessation of contact via phone or mail by the debt collector, providing an alternative method of communication if necessary. 3. West Virginia Debt Collection Letter — Modification of Contact Details: This letter serves as a notice to update the debtor's contact information, such as phone number or mailing address, ensuring effective communication while abiding by West Virginia debt collection laws.
