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.
Chicago Illinois is a vibrant city known for its stunning architecture, rich history, and diverse culture. Situated on the shores of Lake Michigan, this bustling metropolis is home to numerous attractions and landmarks, such as Millennium Park, the Art Institute of Chicago, and the Willis Tower. In this letter, we aim to inform a debt collector of the debtor's refusal to pay an alleged debt and request them to cease all communication with the debtor. It is essential to use effective communication to ensure clarity and adherence to legal procedures. Here is a structured template for the Chicago Illinois Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Company] [Address] [City, State, ZIP] Subject: Cease Communications with Debtor in regard to Alleged Debt Dear [Debt Collector's Name], I am writing to formally inform you that I am disputing the alleged debt that you claim I owe, and I refuse to pay any amounts associated with this debt. I request that you immediately cease all communications with me regarding this matter, as per my rights under the Fair Debt Collection Practices Act (FD CPA), specifically under Section 805(c) of the Act. I would like to clearly state that I dispute the existence of any debt and believe that I have never incurred such an obligation. Furthermore, I request that you provide me with detailed written verification of this alleged debt, including the original creditor's name, the account number, and a copy of any relevant documentation or agreements that can establish the validity of the debt. Please note that any further attempts to contact me by phone, mail, or any other method will be considered a violation of my rights, and I will not hesitate to take appropriate legal action to protect myself from any harassment, as allowed by the FD CPA. It is imperative that you update your records to reflect my refusal to pay this alleged debt and cease all collection activities immediately. Failure to comply with this request will result in my filing complaints with the appropriate regulatory bodies, including but not limited to the Consumer Financial Protection Bureau (CFPB) and the Illinois Attorney General's Office. I expect written confirmation within 30 days of receiving this letter that you have ceased all communication regarding this alleged debt and have closed your file. Any future correspondence should only be in response to my request for verification of the debt, as mentioned earlier. Thank you for your prompt attention to this matter. I trust that you will respect my rights as a consumer and comply with this request accordingly. Sincerely, [Your Name] [Your Signature] Note: It is advisable to consult with a legal professional or attorney to ensure that your letter adheres to specific Chicago, Illinois laws and regulations governing debt collection practices.
