Sample Letter 8c to Debt Collector:
Contact at Inappropriate Time
Certified Mail No. _________________
Return Receipt Requested
Date
Name of Debt Collector
Address
City, State, Zip Code
Re: Account of [your name]; Account Number ______________
Dear [Debt Collector]:
The purpose of this letter is to demand that you stop telephoning me at inappropriate times, specifically after 10:00 p.m. at night. I have received five telephone calls from your agency after 11:00 p.m. over the past month, which is in violation of the FDCPA.
The Fair Debt Collection Practices Act states specifically that:
"Without the prior consent of the consumer given 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 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 shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer's location."
If this behavior continues, I will report your firm to the FTC, ConsumerFinance.gov, my state's Attorney General's Office, and explore all legal remedies available to me under the FDCPA.
Sincerely,
Your name
Your address
Custom Search
