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.
Subject: Sacramento, California — Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment Dear [Debt Collection Agency], I am writing this letter to formally request that you cease any form of communication with me at my place of employment regarding the outstanding debt associated with [account number or description]. According to the Fair Debt Collection Practices Act (FD CPA), as well as the laws of the state of California, I have the right to request that all communication related to this debt should only be conducted through written correspondence or other legal means. As an employee, it is crucial for my professional reputation and privacy to maintain a peaceful and uninterrupted work environment. I kindly ask that you respect my rights in this matter by acknowledging and adhering to the following requests: 1. No Unauthorized Calls or Visits to Workplace: You are hereby instructed to discontinue any phone calls, visits, or any other form of communication at my place of employment regarding this debt. This includes attempting to communicate with me directly or indirectly through my colleagues, supervisors, or any other individuals associated with my workplace. 2. Written Communication Directed to My Residential Address: Henceforth, all written communication concerning this debt, including but not limited to collection notices, statements, or any other related correspondence, should be sent exclusively to my residential address: [Your Full Name] [Your Complete Address] [Sacramento, CA, Zip Code] [Phone Number] 3. Directing Third-Party Agencies: In the event you utilize the services of any third-party collection agencies to aid in debt collection, it is essential that you provide them with a copy of this letter, duly informing them of my request not to be contacted at my place of employment. Failure to comply with this formal request may result in legal action taken against your agency for violating the FD CPA and relevant state laws. I trust that you understand the seriousness and implications of such violations, and I do not wish for this matter to escalate any further. I kindly request a written confirmation within [15 business days] of receiving this letter, acknowledging your agency's compliance with my demands. This will provide me with a necessary record of our communication. Sincerely, [Your Full Name] [Your Signature] [Date] Keywords: Sacramento, California; letter; informing; debt collector; not to communicate; debtor; debtor's place of employment; Fair Debt Collection Practices Act; FD CPA; legal means; outstanding debt; professional reputation; privacy; workplace; phone calls; visits; written communication; collection notice; third-party agencies; legal action; state laws; violations; confirmation; record.Subject: Sacramento, California — Letter Informing Debt Collector not to Communicate with Debtor at Debtor's Place of Employment Dear [Debt Collection Agency], I am writing this letter to formally request that you cease any form of communication with me at my place of employment regarding the outstanding debt associated with [account number or description]. According to the Fair Debt Collection Practices Act (FD CPA), as well as the laws of the state of California, I have the right to request that all communication related to this debt should only be conducted through written correspondence or other legal means. As an employee, it is crucial for my professional reputation and privacy to maintain a peaceful and uninterrupted work environment. I kindly ask that you respect my rights in this matter by acknowledging and adhering to the following requests: 1. No Unauthorized Calls or Visits to Workplace: You are hereby instructed to discontinue any phone calls, visits, or any other form of communication at my place of employment regarding this debt. This includes attempting to communicate with me directly or indirectly through my colleagues, supervisors, or any other individuals associated with my workplace. 2. Written Communication Directed to My Residential Address: Henceforth, all written communication concerning this debt, including but not limited to collection notices, statements, or any other related correspondence, should be sent exclusively to my residential address: [Your Full Name] [Your Complete Address] [Sacramento, CA, Zip Code] [Phone Number] 3. Directing Third-Party Agencies: In the event you utilize the services of any third-party collection agencies to aid in debt collection, it is essential that you provide them with a copy of this letter, duly informing them of my request not to be contacted at my place of employment. Failure to comply with this formal request may result in legal action taken against your agency for violating the FD CPA and relevant state laws. I trust that you understand the seriousness and implications of such violations, and I do not wish for this matter to escalate any further. I kindly request a written confirmation within [15 business days] of receiving this letter, acknowledging your agency's compliance with my demands. This will provide me with a necessary record of our communication. Sincerely, [Your Full Name] [Your Signature] [Date] Keywords: Sacramento, California; letter; informing; debt collector; not to communicate; debtor; debtor's place of employment; Fair Debt Collection Practices Act; FD CPA; legal means; outstanding debt; professional reputation; privacy; workplace; phone calls; visits; written communication; collection notice; third-party agencies; legal action; state laws; violations; confirmation; record.
