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.
[Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, Zip Code] Subject: Representation of [Debtor's Full Name] — Account Number: [Debtor's Account Number] Dear Sir/Madam, I am writing to inform you that I am representing [Debtor's Full Name] in regard to the collection efforts being pursued by your agency. As per the Fair Debt Collection Practices Act (FD CPA), I kindly request that all future communication regarding this matter be directed to me as the debtor's attorney, rather than directly to the debtor. [Optional: If applicable, mention any previous attempts to communicate with the debt collection agency without success, such as attempts to validate the debt or dispute its accuracy.] I would like to remind you that under federal law, you must immediately cease all communication with the debtor once you have received a written notice that they are being represented by an attorney. Any further contact conducted in violation of this notice will be considered a breach of the FD CPA and may subject your agency to legal consequences. To ensure a smooth resolution to this matter, I kindly request that you provide me with any documentation pertaining to the alleged debt, including the original creditor's name, the amount owed, the date of the last payment made, and any related agreements or contracts. This information is necessary for me to properly evaluate the validity of the debt and safeguard my client's rights. [Optional: If needed, mention any state-specific laws or regulations that protect debtors' rights or require specific actions from the debt collection agency.] I expect your prompt response to this letter and compliance with all legal obligations to avoid any unnecessary legal actions. Please consider this as my firm warning regarding the implications of non-compliance. Thank you for your attention to this matter. I trust that our cooperation will ensure a fair and equitable outcome for all parties involved. Sincerely, [Your Name] [Your Attorney Bar Number, if applicable] [Contact Information] Note: It is important to consult with a legal professional to ensure the accuracy and validity of the content of the letter, as laws and regulations may vary depending on the jurisdiction. The provided content is a general template and should be adapted to the specific circumstances and requirements of the debtor's case. Different types of Houston Texas Letter Informing Debt Collector that Debtor is Represented by an Attorney may include: 1. Houston Texas Letter Informing Debt Collector of Representation: General letter notifying the debt collection agency of the debtor's legal representation. 2. Houston Texas Letter Informing Debt Collector of Representation with Dispute: This type of letter includes an additional section disputing the accuracy or validity of the alleged debt while informing the debt collection agency of legal representation. 3. Houston Texas Letter Informing Debt Collector of Representation with Intent to File Complaint: This letter adds a section mentioning the intent to file a complaint with relevant regulatory authorities if the debt collection agency fails to comply with federal and state laws regarding representation and debt collection practices. Remember to consult with an attorney to accurately address your specific situation.[Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collection Agency Name] [Debt Collection Agency Address] [City, State, Zip Code] Subject: Representation of [Debtor's Full Name] — Account Number: [Debtor's Account Number] Dear Sir/Madam, I am writing to inform you that I am representing [Debtor's Full Name] in regard to the collection efforts being pursued by your agency. As per the Fair Debt Collection Practices Act (FD CPA), I kindly request that all future communication regarding this matter be directed to me as the debtor's attorney, rather than directly to the debtor. [Optional: If applicable, mention any previous attempts to communicate with the debt collection agency without success, such as attempts to validate the debt or dispute its accuracy.] I would like to remind you that under federal law, you must immediately cease all communication with the debtor once you have received a written notice that they are being represented by an attorney. Any further contact conducted in violation of this notice will be considered a breach of the FD CPA and may subject your agency to legal consequences. To ensure a smooth resolution to this matter, I kindly request that you provide me with any documentation pertaining to the alleged debt, including the original creditor's name, the amount owed, the date of the last payment made, and any related agreements or contracts. This information is necessary for me to properly evaluate the validity of the debt and safeguard my client's rights. [Optional: If needed, mention any state-specific laws or regulations that protect debtors' rights or require specific actions from the debt collection agency.] I expect your prompt response to this letter and compliance with all legal obligations to avoid any unnecessary legal actions. Please consider this as my firm warning regarding the implications of non-compliance. Thank you for your attention to this matter. I trust that our cooperation will ensure a fair and equitable outcome for all parties involved. Sincerely, [Your Name] [Your Attorney Bar Number, if applicable] [Contact Information] Note: It is important to consult with a legal professional to ensure the accuracy and validity of the content of the letter, as laws and regulations may vary depending on the jurisdiction. The provided content is a general template and should be adapted to the specific circumstances and requirements of the debtor's case. Different types of Houston Texas Letter Informing Debt Collector that Debtor is Represented by an Attorney may include: 1. Houston Texas Letter Informing Debt Collector of Representation: General letter notifying the debt collection agency of the debtor's legal representation. 2. Houston Texas Letter Informing Debt Collector of Representation with Dispute: This type of letter includes an additional section disputing the accuracy or validity of the alleged debt while informing the debt collection agency of legal representation. 3. Houston Texas Letter Informing Debt Collector of Representation with Intent to File Complaint: This letter adds a section mentioning the intent to file a complaint with relevant regulatory authorities if the debt collection agency fails to comply with federal and state laws regarding representation and debt collection practices. Remember to consult with an attorney to accurately address your specific situation.
