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: Queens New York — Letter Informing Debt Collector to Only Communicate with Debtor in Writing at Debtor's Home Address Dear [Debt Collector's Name], Re: [Debtor's Name], Account Number [XXXIX] I am writing in accordance with the Fair Debt Collection Practices Act (FD CPA), specifically § 805(c). This letter serves as a formal request to limit all communication regarding the aforementioned debt solely to written correspondence, to be sent to my home address as provided below. It has come to my attention that your collection agency has been attempting to contact me through various means, including phone calls, emails, and text messages. While I acknowledge the debt in question, I am exercising my rights under the FD CPA to ensure that all future communication be conducted solely through written correspondence, at my home address. As a resident of Queens, New York, I kindly request that you comply with the following conditions: 1. Communication Limitation: All communication regarding the above-mentioned debt is to be conducted exclusively in writing and delivered to my residential address mentioned below. 2. Home Address: Please use the following address as the designated location for delivering all written correspondence: [Your Full Name] [Your Street Address] [City, State, ZIP Code] Please note that attaching a return receipt or using a reputable mailing service, such as certified mail with a return receipt requested, will ensure that I receive all correspondence and maintain proper records of communication. I am aware that you might require additional information to update your records accurately. Therefore, I would appreciate receiving comprehensive documentation pertaining to the debt, including the original creditor's name, the account number, the outstanding balance, the nature of the debt, and any supporting documentation validating its legitimacy. Failure to comply with my request to limit communication to written form only may result in formal complaints filed with relevant regulatory authorities, including the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the New York Attorney General's Office. Please consider this letter as a formal notice requesting your acknowledgment of my request, along with written confirmation indicating that all future communication will adhere to these conditions. Any calls, text messages, or emails received after receiving this letter will be immediately reported and considered a violation of the FD CPA. Thank you for your prompt attention to this matter. I anticipate your cooperation and look forward to resolving this debt in a fair and lawful manner. Please send all written communication to the address mentioned above. Sincerely, [Your Full Name] [Your Contact Number] [Your Email Address]Subject: Queens New York — Letter Informing Debt Collector to Only Communicate with Debtor in Writing at Debtor's Home Address Dear [Debt Collector's Name], Re: [Debtor's Name], Account Number [XXXIX] I am writing in accordance with the Fair Debt Collection Practices Act (FD CPA), specifically § 805(c). This letter serves as a formal request to limit all communication regarding the aforementioned debt solely to written correspondence, to be sent to my home address as provided below. It has come to my attention that your collection agency has been attempting to contact me through various means, including phone calls, emails, and text messages. While I acknowledge the debt in question, I am exercising my rights under the FD CPA to ensure that all future communication be conducted solely through written correspondence, at my home address. As a resident of Queens, New York, I kindly request that you comply with the following conditions: 1. Communication Limitation: All communication regarding the above-mentioned debt is to be conducted exclusively in writing and delivered to my residential address mentioned below. 2. Home Address: Please use the following address as the designated location for delivering all written correspondence: [Your Full Name] [Your Street Address] [City, State, ZIP Code] Please note that attaching a return receipt or using a reputable mailing service, such as certified mail with a return receipt requested, will ensure that I receive all correspondence and maintain proper records of communication. I am aware that you might require additional information to update your records accurately. Therefore, I would appreciate receiving comprehensive documentation pertaining to the debt, including the original creditor's name, the account number, the outstanding balance, the nature of the debt, and any supporting documentation validating its legitimacy. Failure to comply with my request to limit communication to written form only may result in formal complaints filed with relevant regulatory authorities, including the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the New York Attorney General's Office. Please consider this letter as a formal notice requesting your acknowledgment of my request, along with written confirmation indicating that all future communication will adhere to these conditions. Any calls, text messages, or emails received after receiving this letter will be immediately reported and considered a violation of the FD CPA. Thank you for your prompt attention to this matter. I anticipate your cooperation and look forward to resolving this debt in a fair and lawful manner. Please send all written communication to the address mentioned above. Sincerely, [Your Full Name] [Your Contact Number] [Your Email Address]
