Section 806 of the Fair Debt Collection Practices Act states in part that a debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. One example of such activity involves using threats (including implied threats), violence, or other criminal means to harm anyone's reputation, property, or physical person.
[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency's Name] [Debt Collection Agency's Address] [City, State, Zip Code] Subject: Cease and Desist Collection Activities Involving Threats to Use Violence or other Criminal Means Dear [Debt Collection Agency's Name], I am writing to you today to bring to your attention the ongoing harassment and abuse I have been subjected to in relation to the collection activities concerning my outstanding debt. I must emphasize that the behavior exhibited by your representatives is completely unacceptable and goes against the guidelines set by the Fair Debt Collection Practices Act. I have been repeatedly contacted by various individuals employed by your agency, who have employed threatening language and aggressive tactics with the intent to harm my physical person, reputation, and property. Such behavior is in direct violation of my legal rights as a debtor and is causing me significant distress. I demand that these abusive practices immediately cease. I expect that you take quick and appropriate action to ensure that your representatives, or any other associates acting on your behalf, immediately halt any harmful threats, harassment, or derogatory statements targeting me or my loved ones. Failure to do so will result in my recourse through legal channels to protect my rights. Furthermore, as proof of your compliance, I also request that you provide written confirmation within [10 business days] of receiving this letter, acknowledging that you have initiated an internal investigation into this matter, and that appropriate action will be taken to ensure such harassment and abuse is discontinued indefinitely. Please be advised that, under the Fair Debt Collection Practices Act, any further communication from your agency regarding the debt in question should be strictly limited to providing me with necessary documentation regarding the debt or information regarding any legal actions you intend to pursue. Any further harassment, threats, or abuse reported after receipt of this letter will be documented and potentially used as evidence in any legal proceedings. I trust that you will take immediate action to rectify this situation and prevent any further violations of my rights as a debtor. Failure to do so will leave me with no choice but to pursue legal remedies, including filing a formal complaint with the appropriate regulatory bodies and seeking damages in a court of law. Thank you for your prompt attention to this matter. I look forward to your written confirmation and assurance that the harassment and abuse will cease immediately. Yours sincerely, [Your Name][Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency's Name] [Debt Collection Agency's Address] [City, State, Zip Code] Subject: Cease and Desist Collection Activities Involving Threats to Use Violence or other Criminal Means Dear [Debt Collection Agency's Name], I am writing to you today to bring to your attention the ongoing harassment and abuse I have been subjected to in relation to the collection activities concerning my outstanding debt. I must emphasize that the behavior exhibited by your representatives is completely unacceptable and goes against the guidelines set by the Fair Debt Collection Practices Act. I have been repeatedly contacted by various individuals employed by your agency, who have employed threatening language and aggressive tactics with the intent to harm my physical person, reputation, and property. Such behavior is in direct violation of my legal rights as a debtor and is causing me significant distress. I demand that these abusive practices immediately cease. I expect that you take quick and appropriate action to ensure that your representatives, or any other associates acting on your behalf, immediately halt any harmful threats, harassment, or derogatory statements targeting me or my loved ones. Failure to do so will result in my recourse through legal channels to protect my rights. Furthermore, as proof of your compliance, I also request that you provide written confirmation within [10 business days] of receiving this letter, acknowledging that you have initiated an internal investigation into this matter, and that appropriate action will be taken to ensure such harassment and abuse is discontinued indefinitely. Please be advised that, under the Fair Debt Collection Practices Act, any further communication from your agency regarding the debt in question should be strictly limited to providing me with necessary documentation regarding the debt or information regarding any legal actions you intend to pursue. Any further harassment, threats, or abuse reported after receipt of this letter will be documented and potentially used as evidence in any legal proceedings. I trust that you will take immediate action to rectify this situation and prevent any further violations of my rights as a debtor. Failure to do so will leave me with no choice but to pursue legal remedies, including filing a formal complaint with the appropriate regulatory bodies and seeking damages in a court of law. Thank you for your prompt attention to this matter. I look forward to your written confirmation and assurance that the harassment and abuse will cease immediately. Yours sincerely, [Your Name]
