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.
Kings New York Letter Informing to Debt Collector to Cease Communications with Debtor Description: A Kings New York Letter Informing to Debt Collector to Cease Communications with Debtor is a legally formatted document sent by an individual residing in Kings County, New York, to a debt collector who has been contacting them in regard to a debt. The purpose of this letter is to assert the debtor's rights under the Fair Debt Collection Practices Act (FD CPA) and request the debt collector to stop all communication attempts. Keywords: Kings County, New York, debt collector, cease communications, debtor, Fair Debt Collection Practices Act, FD CPA Different Types of Kings New York Letter Informing to Debt Collector to Cease Communications with Debtor: 1. Basic Cease Communication Letter: This type of letter includes a clear and concise request to the debt collector to stop contacting the debtor for collection purposes. It may also include a reminder of the debtor's rights under the FD CPA to strengthen the claim. 2. Validation Request Letter: In certain situations, debtors may feel uncertain about the alleged debt or require validation from the debt collector. This type of letter not only requests the cessation of communication but also asks the debt collector to provide valid proof of the debt's existence and ownership. 3. Dispute and Cease Communication Letter: If the debtor believes that the debt being pursued by the collector is inaccurate or incomplete, this type of letter can be used to dispute the debt while simultaneously requesting the debt collector to halt communication until the dispute is resolved. 4. Attorney Representation Letter: In cases where the debtor has hired an attorney to handle the debt-related matters, this letter asserts the debtor's legal representation and requests the debt collector to communicate solely with the attorney regarding the debt in question. 5. Cease Communication for Specific Methods: Sometimes debtors may prefer certain methods of communication over others. For example, a debtor may choose to allow communication via written correspondence while refusing phone calls. In this type of letter, the debtor specifies the preferred communication method and requests the debt collector to cease contact through other channels. It is essential always to tailor the letter to suit the debtor's specific circumstances, ensuring accuracy, and compliance with legal requirements. Furthermore, keeping a copy of the letter and sending it through certified mail with a return receipt is recommended to have proof of delivery.
