Maricopa Arizona Sample Letter to Debt Collector Re Fair Debt Collection and Practices Act

• Category: Letters - Legal - Collections
• State: Multi-State
• County: Maricopa
• Control #: US-0493LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: [Account Number/Reference Number] Dear [Debt Collector's Name], Re: Fair Debt Collection Practices Act Violation and Cease and Desist Notice I am writing to bring to your attention a serious violation of the Fair Debt Collection Practices Act (FD CPA) that I have observed in relation to the collection activities performed by your agency regarding the debt associated with [Account Number/Reference Number]. As a consumer, I have the right to be treated fairly and respectfully, and I believe that your actions have been inconsistent with the guidelines outlined in the FD CPA. Firstly, I wish to draw your attention to Section 806(5) of the FD CPA, which prohibits the use of abusive or harassing language during debt collection activities. Despite this, I have received multiple phone calls from your agents using offensive and threatening language. Such behavior not only violates the FD CPA but also causes unnecessary distress and anxiety. I demand an immediate cessation of such language and a written assurance that these practices will not be repeated in the future. Furthermore, in accordance with Section 805(c) of the FD CPA, I am formally requesting detailed verification of the debt you claim I owe. Please provide me with information regarding the original creditor, the amount owed, and any documentation validating your agency's right to collect on this debt. I expect to receive this verification within 30 days of your receipt of this letter; otherwise, I will consider the debt null and void and will take appropriate legal action to protect my rights. It is essential that your agency understands that I am fully aware of the protections afforded to consumers under the FD CPA. I have meticulously documented all communication received from your company, including dates, times, and the names of the individuals involved. Should your agency continue to violate the FD CPA, I will not hesitate to report your actions to the Federal Trade Commission, the Consumer Financial Protection Bureau, and my state's Attorney General's office. In compliance with Section 805(c) of the FD CPA, I kindly request that you cease all communication with me until the debt verification I have requested is provided. However, this restriction does not apply to the notification of the cessation of collection efforts or any legal actions that your agency may decide to pursue. Any further contact made by your agency without providing the requested verification will be considered a deliberate violation of the FD CPA. Please ensure that all future correspondence related to this matter be in writing. This will not only help maintain a clear record of our communication but will also ensure compliance with the FD CPA. In conclusion, I expect your agency to rectify the above-mentioned issues promptly and to comply fully with all provisions of the FD CPA. Failure to do so will leave me with no choice but to pursue legal remedies available to me under the law. Thank you for your immediate attention to this matter. I anticipate a prompt response from your agency. Please address all correspondence regarding this matter to the address provided above. Yours sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: [Account Number/Reference Number] Dear [Debt Collector's Name], Re: Fair Debt Collection Practices Act Violation and Cease and Desist Notice I am writing to bring to your attention a serious violation of the Fair Debt Collection Practices Act (FD CPA) that I have observed in relation to the collection activities performed by your agency regarding the debt associated with [Account Number/Reference Number]. As a consumer, I have the right to be treated fairly and respectfully, and I believe that your actions have been inconsistent with the guidelines outlined in the FD CPA. Firstly, I wish to draw your attention to Section 806(5) of the FD CPA, which prohibits the use of abusive or harassing language during debt collection activities. Despite this, I have received multiple phone calls from your agents using offensive and threatening language. Such behavior not only violates the FD CPA but also causes unnecessary distress and anxiety. I demand an immediate cessation of such language and a written assurance that these practices will not be repeated in the future. Furthermore, in accordance with Section 805(c) of the FD CPA, I am formally requesting detailed verification of the debt you claim I owe. Please provide me with information regarding the original creditor, the amount owed, and any documentation validating your agency's right to collect on this debt. I expect to receive this verification within 30 days of your receipt of this letter; otherwise, I will consider the debt null and void and will take appropriate legal action to protect my rights. It is essential that your agency understands that I am fully aware of the protections afforded to consumers under the FD CPA. I have meticulously documented all communication received from your company, including dates, times, and the names of the individuals involved. Should your agency continue to violate the FD CPA, I will not hesitate to report your actions to the Federal Trade Commission, the Consumer Financial Protection Bureau, and my state's Attorney General's office. In compliance with Section 805(c) of the FD CPA, I kindly request that you cease all communication with me until the debt verification I have requested is provided. However, this restriction does not apply to the notification of the cessation of collection efforts or any legal actions that your agency may decide to pursue. Any further contact made by your agency without providing the requested verification will be considered a deliberate violation of the FD CPA. Please ensure that all future correspondence related to this matter be in writing. This will not only help maintain a clear record of our communication but will also ensure compliance with the FD CPA. In conclusion, I expect your agency to rectify the above-mentioned issues promptly and to comply fully with all provisions of the FD CPA. Failure to do so will leave me with no choice but to pursue legal remedies available to me under the law. Thank you for your immediate attention to this matter. I anticipate a prompt response from your agency. Please address all correspondence regarding this matter to the address provided above. Yours sincerely, [Your Name]