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Debt Management

Credit Counseling

Fair Debt Collection Practices

The Fair Debt Collection Practices Act

The following is a sample letter to prevent creditors from violating the fair debt colletion act.

word document Download this sample letter

Via Certified Mail


Date
[debt collector]
[debt collector's address]

Re: [your name and debt collector's account number(s) for your debt(s)]

Dear [debt collector]:

Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning any and all alleged debts you contend I owe. See California Civil Code § 1788.17 (requiring compliance with 15 U.S.C. § 1692c(c) by both professional debt collectors and creditors).

My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner.

Thank you for your cooperation in this matter.


Sincerely,


[your name]