SAMPLE: "Cease and Desist" letter – to stop debt collection calls
Today’s date
Your name
Your address
Collector’s name
Collector’s address
Re: (insert account number or account name)
Mr./Ms. (Collector’s last name):
This letter is in response to the many phone calls I have been receiving from you.
According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805 (c): Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location.
Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken.
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 (b)2.
I am keeping accurate records of all correspondence from you so if you continue to contact me I will pursue legal action.
Sign your name
Print your name
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SAMPLE: Expired Statute of Limitations letter
Today’s date
Your name
Your address
Collector’s name
Collector’s address
RE: (insert account number or account name)
Dear (Collector’s name or company name):
This letter is to inform you that I am well aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my state’s Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in (your state or the state where the contract was signed) has expired. Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations.
This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken.
Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact.
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SAMPLE: Debt payment agreement letter
Today’s Date
Your name
Your address
Attention: (Name of Collector)
Name of Collection Agency
Address of Collection Agency
RE: Your [letter dated] or [phone call on date]
Reference account # (account # here)
Dear Mr./Ms. (Collector’s last name):
According to your correspondence and my own records, the amount of debt owed is $(___). This letter is not to dispute this debt but to inform you that my present financial situation prohibits me from paying the amount you are asking.
Per our last contact on (date) by (phone or letter) we came to an agreement as to what my payments will be on this account. I will be making payments on this account every (date of month) to your company in the amount of $(___).
Enclosed is my first payment in the amount of $(___). I will consider your cashing or depositing my payment as confirmation that you accept the payment terms we have discussed.
Thank you.
Sincerely,
Sign your name
Print your name
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SAMPLE: Debt payment agreement letter (2)
Today’s Date
Your name
Your address
Attention: (Name of Collector)
Name of Collection Agency
Address of Collection Agency
RE: Your [letter dated] or [phone call on date]
Reference account # (account # here)
Dear Mr./Ms. (Collector’s last name):
According to your correspondence and my own records, the amount of debt owed is $(___). This letter is not to dispute this debt but to inform you that my present financial situation prohibits me from paying the amount you are asking. However, I am able to make payments on this account in the amount of $(___), every (insert date of month).
I have enclosed my first payment in the amount of $(___) as a show of good faith. Please call to confirm your acceptance of the payment terms stated above. If I do not receive a call from you, and you cash or deposit my check, I will consider that an acceptance of my payment terms. If you do not accept these terms, please return my payment to me immediately in the enclosed self-addressed stamped envelope.
If my financial situation changes and I am able to increase my monthly payment on this account, I will contact you immediately.
Thank you for your understanding.
Sincerely,
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