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. 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.
Dear [Debt Collector's Name], RE: [Account Number] I am writing to inform you that I, [Debtor's Name], am represented by an attorney regarding the debt you are attempting to collect. It is important that you communicate solely with my attorney, [Attorney's Name], from this point forward. Please direct all further correspondence, phone calls, and any other forms of communication regarding this debt to their attention. My attorney's contact information is as follows: [Attorney's Name] [Attorney's Firm Name] [Attorney's Office Address] [Attorney's Phone Number] [Attorney's Email Address] As a debtor represented by legal counsel, I request that you cease any further communication with me directly and instead exclusively contact my attorney for all matters related to this debt. I remind you that under the Fair Debt Collection Practices Act (FD CPA), once you receive this notice of representation, you are prohibited from contacting me directly. Any communication should be directed towards my attorney's office. Please be advised that any action taken by you or your agency in violation of the FD CPA or any other applicable state or federal laws will be promptly reported and may result in legal action being taken against you. I trust that you will respect my legal representation and abide by the laws and regulations associated with debt collection. Any further communication or attempts to collect this debt from me directly will be viewed as a violation of my rights as a consumer. Thank you for your immediate attention to this matter. Sincerely, [Debtor's Name] [Debtor's Address] [City, State, ZIP Code]Dear [Debt Collector's Name], RE: [Account Number] I am writing to inform you that I, [Debtor's Name], am represented by an attorney regarding the debt you are attempting to collect. It is important that you communicate solely with my attorney, [Attorney's Name], from this point forward. Please direct all further correspondence, phone calls, and any other forms of communication regarding this debt to their attention. My attorney's contact information is as follows: [Attorney's Name] [Attorney's Firm Name] [Attorney's Office Address] [Attorney's Phone Number] [Attorney's Email Address] As a debtor represented by legal counsel, I request that you cease any further communication with me directly and instead exclusively contact my attorney for all matters related to this debt. I remind you that under the Fair Debt Collection Practices Act (FD CPA), once you receive this notice of representation, you are prohibited from contacting me directly. Any communication should be directed towards my attorney's office. Please be advised that any action taken by you or your agency in violation of the FD CPA or any other applicable state or federal laws will be promptly reported and may result in legal action being taken against you. I trust that you will respect my legal representation and abide by the laws and regulations associated with debt collection. Any further communication or attempts to collect this debt from me directly will be viewed as a violation of my rights as a consumer. Thank you for your immediate attention to this matter. Sincerely, [Debtor's Name] [Debtor's Address] [City, State, ZIP Code]
