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lly set out above will be considered a violation of the Act and will be handled accordingly. Thank you for your prompt attention to this matter. Respectfully Yours, [Your Name] ) to advise me that your agency's further efforts are being terminated; or (2) to notify me that your agency or the creditor may invoke a specified remedy Any communications other than those specificarding [insert the debt reference # or other information, this can typically found in letters from the debt collector]. Under the rules of the Act, you may contact me for the following reasons only: (1 Debt in Question Dear Sir or Madam: In accordance with the Fair Debt Collection Practices Act, § 805(c) (the "Act"), I hereby demand that you immediately cease all further communication with me regahe entire Fair Debt Collection Practices Act, please visit http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm Your Name Your Address Date Collection Agency Collection Agency Address Re: Your Name andies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. To read t such debt, except -(1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedefuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect toe permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. (c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer rgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwis 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudhe debt collector knows or has reason to know that the consumer's employer prohibits the consumer from receiving such communication. (b) COMMUNICATION WITH THIRD PARTIES. Except as provided in sectionthin a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or (3) at the consumer's place of employment if tor knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond wihall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location; (2) if the debt collect-(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector sgiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt communication from the debt collector. § 805. Communication in connection with debt collection [15 USC 1692c] (a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to theness or that the communication relates to the collection of a debt; and (6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge card; (5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection busibt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information; (4) not communicate by post ssly requested, identify his employer; (2) not state that such consumer owes any debt; (3) not communicate with any such person more than once unless requested to do so by such person or unless the dethe purpose of acquiring location information about the consumer shall -(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expre the Fair Debt Collection Practices Act (15 U.S.C. 1601 et seq.) § 804. Acquisition of location information [15 USC 1692b] Any debt collector communicating with any person other than the consumer for ntract, strict liability, or tort (including negligence or otherwise) arising in any way out of the use of these materials. An attorney should be consulted for all serious legal matters. Excerpts formages (including, but not limited to, procurement of substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whether in co used at your own risk. In no event will FindLegalForms, Inc., its agents, partners or affiliates be responsible or liable for any direct, indirect, incidental, special, exemplary, or consequential dase materials are provided "AS-IS." We do not give any express or implied warranties of merchantability, suitability or completeness of any of the materials for your particular needs. The materials areby use of these materials. FindLegalForms, Inc. does not provide legal advice. The purchase and use of these materials is subject to the "Disclaimers and Terms of Use" found at findlegalforms.com. They of contact by collection agencies. In addition, for your reference we have included excerpts from the FDCPA regarding your rights as a debtor. Disclaimer No Attorney-Client relationship is created requency and type of communication a debt collector can make with a debtor. This letter is designed to help the debtor take advantage of his rights under the FDCPA and restrict the manner and frequencr may receive dozens of calls and letters regarding the debt. There are, however, some options for debtors in this situation. The FDCPA includes specific provisions that, when employed, restrict the f or deceptive practices. Unfortunately, many of the practices of the debt collectors, while not reaching the level of prohibited behavior, may be extremely annoying and intrusive. For example, a debto as debt collectors or collection agencies. While debt collectors are allowed to contact you for legitimate purposes, the Fair Debt Collection Practices Act (the "FDCPA") prohibits any abusive, unfairl bills, rent or a credit card charge. Occasionally, the debtor may fall behind in his repayment of the debt. At this time, the creditor may employ a third party to recover the debt, often referred toINFORMATION Letter from Debtor to Collection Agency Overview A debtor is a person that has an obligation to pay a debt to a creditor. This debt may be for such things as a car, a personal loan, medica