Once a debt collector receives written notice from a consumer that the consumer refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease communications with the consumer except:
To advise the consumer that they are terminating their debt collecting efforts;
To notify the consumer that the debt collector or creditor may invoke specified remedies which they ordinarily invoke; and
To notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Subject: Cease Communication Request — Cuyahoga, Ohio Debt Collection Dear [Debt Collector's Name], RE: Cease Communication Request — Account#[Account Number] I am writing to inform you that I, [Your Full Name], residing at [Your Address], hereby request that you cease all communications relating to the outstanding debt referenced above. Pursuant to the Fair Debt Collection Practices Act (FD CPA), I exercise my rights to explicitly request that you cease all contact with me, my family members, or any other individuals associated with me regarding this debt, whether in writing or through any other form of communication. Cuyahoga, Ohio residents are well aware of their rights as debtors under the FD CPA and expect debt collectors to conduct themselves in accordance with its guidelines. As such, I request that you cease all communication attempts, including phone calls, letters, emails, text messages, or any other form of communication, with respect to the aforementioned debt effective immediately. Furthermore, I demand that you provide written confirmation within five business days of receiving this request, stating that you will comply with my cease communication request moving forward. Failure to do so may result in potential legal action, as permitted under the FD CPA. Please note the following details regarding the debt in question: 1. Creditor's Name: [Creditor Name] 2. Original Account Number: [Account Number] 3. Amount of Debt: [Amount in currency] 4. Date of Last Payment: [Last Payment Date] Kindly refrain from contacting any third-party individuals, including but not limited to my employer, family members, or neighbors, in relation to this matter. Any communication should be directed solely to me at the address provided in this letter. I also want to draw your attention to the fact that, should you provide any further communication regarding this debt after your receipt of this letter, it will be considered a violation of the FD CPA guidelines. Such actions will be documented and may result in formal complaints filed with the Federal Trade Commission, the Consumer Financial Protection Bureau, and my state's Attorney General's Office. Thank you for your prompt attention to this matter. I trust that you will honor my request and cease all communications regarding this debt. I look forward to receiving your written confirmation of compliance. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] --- Note: The types of Cuyahoga Ohio letters informing debt collectors to cease communications with the debtor may include: 1. Cease Communication Request — In Response to Initial Contact: This type of letter is used when you are contacted by a debt collector for the first time regarding a debt, and you want to exercise your right to request the cessation of communications. 2. Cease Communication Request — Regarding Harassment or Unauthorized Contact: This type of letter is used when you have been subject to harassing or unauthorized communications from a debt collector and wish to formally request the cessation of such contact. 3. Cease Communication Request — In Response to Ongoing Communication: This type of letter is used when a debtor has been in contact with a debt collector regarding a debt and has decided to exercise their rights to cease all further communication about the debt. Remember, it is vital to seek legal advice for your specific situation to ensure compliance with applicable laws and regulations.
