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: San Diego, California — Request to Communicate with Debtor in Writing at Debtor's Home Address Dear [Debt Collector's Name], I am writing to inform you that I am requesting all future communication regarding the debt owed by [Debtor's Full Name] be exclusively done in writing and sent to [Debtor's Home Address]. As per the Fair Debt Collection Practices Act (FD CPA), I kindly ask that you respect this formal request, ensuring that any future correspondence is delivered solely through written means to the specified address. San Diego, California, an enchanting coastal city located in Southern California, serves as the backdrop for this debt collection matter. Known for its picture-perfect beaches, a vibrant downtown area, and a thriving economy, San Diego offers a wide range of attractions for residents and visitors alike. From the world-renowned San Diego Zoo to the historic Gas lamp Quarter, the city captivates with its beautiful landscapes, diverse communities, and a booming tourism industry. I believe it is in both parties' best interest to maintain clear, accurate, and documented communication moving forward. By adhering to this request, I hope to establish a transparent channel of correspondence that will lead to a fair resolution of the debt at hand. Considering that verbal communication can often inadvertently lead to misunderstandings or misinterpretations, I kindly request that all interactions related to this debt collection matter be conducted exclusively in writing. This includes any phone calls, voicemails, text messages, or other forms of non-written communication that may be attempted by your agency. I trust that you will respect my rights as the debtor and comply with this request without delay. Furthermore, it is important to mention that the FD CPA prohibits debt collectors from engaging in any form of deceptive, abusive, or harassing behavior while attempting to collect a debt. I expect that your agency fully adheres to these guidelines and conducts all communication with the utmost professionalism and consideration. Should you require any clarification or documentation regarding this request, please do not hesitate to contact me in writing at the provided address. I trust that you will honor this request and provide written confirmation of your compliance within [specify a timeline, e.g., 30 days] from the date of this letter. Thank you for your attention to this matter. I anticipate your prompt compliance and cooperation in this regard. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] [Date]Subject: San Diego, California — Request to Communicate with Debtor in Writing at Debtor's Home Address Dear [Debt Collector's Name], I am writing to inform you that I am requesting all future communication regarding the debt owed by [Debtor's Full Name] be exclusively done in writing and sent to [Debtor's Home Address]. As per the Fair Debt Collection Practices Act (FD CPA), I kindly ask that you respect this formal request, ensuring that any future correspondence is delivered solely through written means to the specified address. San Diego, California, an enchanting coastal city located in Southern California, serves as the backdrop for this debt collection matter. Known for its picture-perfect beaches, a vibrant downtown area, and a thriving economy, San Diego offers a wide range of attractions for residents and visitors alike. From the world-renowned San Diego Zoo to the historic Gas lamp Quarter, the city captivates with its beautiful landscapes, diverse communities, and a booming tourism industry. I believe it is in both parties' best interest to maintain clear, accurate, and documented communication moving forward. By adhering to this request, I hope to establish a transparent channel of correspondence that will lead to a fair resolution of the debt at hand. Considering that verbal communication can often inadvertently lead to misunderstandings or misinterpretations, I kindly request that all interactions related to this debt collection matter be conducted exclusively in writing. This includes any phone calls, voicemails, text messages, or other forms of non-written communication that may be attempted by your agency. I trust that you will respect my rights as the debtor and comply with this request without delay. Furthermore, it is important to mention that the FD CPA prohibits debt collectors from engaging in any form of deceptive, abusive, or harassing behavior while attempting to collect a debt. I expect that your agency fully adheres to these guidelines and conducts all communication with the utmost professionalism and consideration. Should you require any clarification or documentation regarding this request, please do not hesitate to contact me in writing at the provided address. I trust that you will honor this request and provide written confirmation of your compliance within [specify a timeline, e.g., 30 days] from the date of this letter. Thank you for your attention to this matter. I anticipate your prompt compliance and cooperation in this regard. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] [Date]
