|
Obtain Forms # PS3800 &
PS3811 from your local Post
Office.
Send the letter via
certified mail with a return
receipt request. Keep
a copy of the letter for
your files. Send out the
letter within thirty days of
the first contact by the
collection agency/
collection attorney. The law
applies to both the agency
and to attorneys who collect
two or more debts per year.
They are allowed (under law)
to contact you one time,
after receipt of the letter,
to notify you of their
intent. Debt buyers
are subject to
the law in spite of their
assertions that since they
bought the debt, they are
not the collector. WRONG!!!
They ARE a debt collector,
subject to the law. Send the
letter, it's legal and it
works!
Your Name
Date:
Your Address
City, State, Zip
(Sent via CERTIFIED
RETURN MAIL #123 456
789 with RETURN RECEIPT)
XYZ Collection
Agency/Law Firm
1234 Main Street, #100
Any town, USA 10021
Re: File #0000000 - ABC
Bank - #4445566778899000
For: $5555.55
Dear Debt Collector /Debt
Collector Attorney:
This will serve as your
legal notice under
provisions of federal law,
the Fair Debt Collection Practices Act (FDCPA), to
cease all communication with
me in regard to the debt
referenced above.
If you fail to heed this
notice, I will file a formal
complaint
against you with
the Federal Trade Commission
who is responsible for
enforcement, the States
Attorney General office
and/or the American
Collectors Association or
local State Bar Association.
I/We have decided that we
do not desire to work with a
collection agency under any
circumstances. I/We will
contact the original
creditor to resolve this
matter directly, as
circumstances warrant.
You are also notified that
should any adverse
information be placed
against my/our credit
reports as a result of this
notice that appropriate
actions will be taken.
Give
this very important matter
the attention it deserves.
Sincerely,
John J. Consumer
NOTE:
This is an attempt to make a
debt collector obey the
law.
Any information
obtained, will be used for
that purpose.
|
