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.
The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects. 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.
Queens New York Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor Dear [Debt Collector's Name], I am writing to inform you of the specific days and times during which you may contact me regarding the debt collection for [creditor's name]. As a resident of Queens, New York, I want to ensure that our communication aligns with the relevant laws and regulations governing debt collection practices in this area. According to the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from engaging in actions that harass or intimidate debtors. This includes restrictions on the timing of communication. Therefore, I kindly request that you adhere to the following guidelines when contacting me: 1. Days of Contact: You may contact me from Monday to Friday. Weekends, specifically Saturdays and Sundays, are not suitable for debt collection communication. 2. Contact Hours: Please be aware of the following time frame during which you may reach out to me regarding this debt: — Weekdays (Monday to Friday): Between 8:00 AM and 9:00 PM Eastern Standard Time (EST) It is important to note that these guidelines are in line with the FD CPA but may vary based on any state-specific regulations. Nonetheless, I expect you to operate within these boundaries. Should you need to reach me outside these designated days and times, I kindly request that you seek my explicit consent beforehand. This will ensure that we are both respectful of each other's personal commitments and adhere to ethical debt collection practices. Furthermore, any communication should be conducted in a professional and respectful manner. I expect all correspondence to be fair, accurate, and unbiased. Additionally, I request that you provide written documentation regarding the debt owed, including the amount owed, the original creditor's details, and any applicable account numbers. This will help me better understand and address the situation. Please take note of these guidelines, as any violation of these instructions may result in a complaint filed with the appropriate authorities detailing your failure to adhere to the legal provisions governing debt collection practices. Thank you for your understanding and cooperation. I trust that we can engage in a fair and transparent dialogue regarding this debt collection matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]Queens New York Letter Informing Debt Collector as to Days and Time Collector May Contact Debtor Dear [Debt Collector's Name], I am writing to inform you of the specific days and times during which you may contact me regarding the debt collection for [creditor's name]. As a resident of Queens, New York, I want to ensure that our communication aligns with the relevant laws and regulations governing debt collection practices in this area. According to the Fair Debt Collection Practices Act (FD CPA), debt collectors are prohibited from engaging in actions that harass or intimidate debtors. This includes restrictions on the timing of communication. Therefore, I kindly request that you adhere to the following guidelines when contacting me: 1. Days of Contact: You may contact me from Monday to Friday. Weekends, specifically Saturdays and Sundays, are not suitable for debt collection communication. 2. Contact Hours: Please be aware of the following time frame during which you may reach out to me regarding this debt: — Weekdays (Monday to Friday): Between 8:00 AM and 9:00 PM Eastern Standard Time (EST) It is important to note that these guidelines are in line with the FD CPA but may vary based on any state-specific regulations. Nonetheless, I expect you to operate within these boundaries. Should you need to reach me outside these designated days and times, I kindly request that you seek my explicit consent beforehand. This will ensure that we are both respectful of each other's personal commitments and adhere to ethical debt collection practices. Furthermore, any communication should be conducted in a professional and respectful manner. I expect all correspondence to be fair, accurate, and unbiased. Additionally, I request that you provide written documentation regarding the debt owed, including the amount owed, the original creditor's details, and any applicable account numbers. This will help me better understand and address the situation. Please take note of these guidelines, as any violation of these instructions may result in a complaint filed with the appropriate authorities detailing your failure to adhere to the legal provisions governing debt collection practices. Thank you for your understanding and cooperation. I trust that we can engage in a fair and transparent dialogue regarding this debt collection matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]
