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.
Subject: Philadelphia, Pennsylvania — Informing Debt Collector of Representation by an Attorney --- Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to officially inform you that I, [Debtor's Name], am now represented by legal counsel in matters concerning the debt referenced [Account Number/Reference Number]. As an attorney now representing me, it is imperative that all future communications regarding this debt be directed to my legal representative. As outlined by the Fair Debt Collection Practices Act (FD CPA) and other applicable laws, I am exercising my rights to be represented by an attorney in this matter. Accordingly, I kindly request that you cease all direct communication with me and instead relay any information, requests, or demands exclusively to my attorney, whose details are provided below: [Attorney's Name] [Attorney's Contact Information] [Law Firm's Name, if applicable] By notifying you of this legal representation, it is my expectation that all further communication will be conducted according to the legal guidelines and within the professional standards established for debt collection practices. Furthermore, in accordance with the FD CPA regulations, I also request that you provide me, within 30 days from the receipt of this letter, with the following information: 1. The total amount owed, including any interest or fees being claimed. 2. Documentation validating the debt's validity and origin. 3. Verification of your authority to collect the said debt. Failure to comply with these requests may result in the violation of my rights as a debtor under federal law. I trust that you will see the value in cooperating fully with my attorney and providing all necessary documentation to resolve this matter amicably. Please note that any further contact or attempts to collect this debt outside the aforementioned legal channels will be considered harassment and may lead to appropriate legal action being taken against your organization. It is in the best interest of all parties involved to handle this matter professionally and in accordance with the established regulations. Thank you for your attention to this matter, and I look forward to a prompt resolution of this debt with my legal representative. Sincerely, [Debtor's Name] [Debtor's Contact Information] --- Alternative Letter Formats: 1. Philadelphia, Pennsylvania — Informing Debt Collector through Registered Mail: This format involves sending the letter through certified mail with return receipt requested, providing evidence of receipt by the debt collector. 2. Philadelphia, Pennsylvania — Informing Debt Collector with Notice of Representation Affidavit: In this format, the debtor includes a notarized affidavit, explicitly affirming the legal representation by their attorney, to strengthen the notice and ensure acknowledgment by the debt collector. 3. Philadelphia, Pennsylvania — Informing Debt Collector via Email: As technology advances, debtors can opt to send the representation notice via email. However, it is advisable to follow up with a physical copy through certified mail to ensure proper delivery confirmation. Note: Adjust the content as necessary to comply with the specific requirements of your jurisdiction and seek legal advice when needed.Subject: Philadelphia, Pennsylvania — Informing Debt Collector of Representation by an Attorney --- Dear [Debt Collector's Name], I hope this letter finds you well. I am writing to officially inform you that I, [Debtor's Name], am now represented by legal counsel in matters concerning the debt referenced [Account Number/Reference Number]. As an attorney now representing me, it is imperative that all future communications regarding this debt be directed to my legal representative. As outlined by the Fair Debt Collection Practices Act (FD CPA) and other applicable laws, I am exercising my rights to be represented by an attorney in this matter. Accordingly, I kindly request that you cease all direct communication with me and instead relay any information, requests, or demands exclusively to my attorney, whose details are provided below: [Attorney's Name] [Attorney's Contact Information] [Law Firm's Name, if applicable] By notifying you of this legal representation, it is my expectation that all further communication will be conducted according to the legal guidelines and within the professional standards established for debt collection practices. Furthermore, in accordance with the FD CPA regulations, I also request that you provide me, within 30 days from the receipt of this letter, with the following information: 1. The total amount owed, including any interest or fees being claimed. 2. Documentation validating the debt's validity and origin. 3. Verification of your authority to collect the said debt. Failure to comply with these requests may result in the violation of my rights as a debtor under federal law. I trust that you will see the value in cooperating fully with my attorney and providing all necessary documentation to resolve this matter amicably. Please note that any further contact or attempts to collect this debt outside the aforementioned legal channels will be considered harassment and may lead to appropriate legal action being taken against your organization. It is in the best interest of all parties involved to handle this matter professionally and in accordance with the established regulations. Thank you for your attention to this matter, and I look forward to a prompt resolution of this debt with my legal representative. Sincerely, [Debtor's Name] [Debtor's Contact Information] --- Alternative Letter Formats: 1. Philadelphia, Pennsylvania — Informing Debt Collector through Registered Mail: This format involves sending the letter through certified mail with return receipt requested, providing evidence of receipt by the debt collector. 2. Philadelphia, Pennsylvania — Informing Debt Collector with Notice of Representation Affidavit: In this format, the debtor includes a notarized affidavit, explicitly affirming the legal representation by their attorney, to strengthen the notice and ensure acknowledgment by the debt collector. 3. Philadelphia, Pennsylvania — Informing Debt Collector via Email: As technology advances, debtors can opt to send the representation notice via email. However, it is advisable to follow up with a physical copy through certified mail to ensure proper delivery confirmation. Note: Adjust the content as necessary to comply with the specific requirements of your jurisdiction and seek legal advice when needed.
