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 — FultonGeorgegi— - Alleged Debt Refusal Dear [Debt Collector's Name], I hope this letter finds you well. I am writing on behalf of [Debtor's Name], concerning the alleged debt referenced in your previous communications. Please treat this letter as a formal request to cease all further communication attempts relating to this debt. [Debtor's Name] has become aware of their rights under the Fair Debt Collection Practices Act (FD CPA) and is exercising their right to request that all communication regarding this purported debt be terminated immediately. Furthermore, please note that [Debtor's Name] disputes the validity and existence of the mentioned debt. Kindly be informed that all attempts to collect the alleged debt, including but not limited to telephone calls, emails, written correspondence, or visits to their residence or workplace, must cease with immediate effect. Pursuant to the FD CPA, any future communication will be seen as a violation of the debtor's rights, and appropriate actions will be taken to ensure their protection. To expedite the resolution of this matter, it is requested that you provide written acknowledgement of receipt of this letter within fifteen days of receiving it. Make sure to confirm that all external or internal collection activities have ceased entirely. In the event that you are not the original creditor but an authorized collector or representative thereof, please relay this request to the appropriate parties. As per the FD CPA, all collection attempts must be paused until the alleged debt has been fully substantiated and verified by the original creditor. Please be aware that [Debtor's Name] has no intention of paying the alleged debt and expects that no further communication attempts will be made beyond a written response acknowledging receipt of this letter. Any future efforts to contact [Debtor's Name] or any third party concerning this matter will be deemed unfair and in violation of their rights. We strongly advise that you respect our request and act in strict accordance with the laws and regulations governing debt collection practices. Failure to do so will result in legal action being pursued to protect [Debtor's Name]'s rights. Thank you for your prompt attention to this request. Your cooperation in this matter is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number]
