A customer/debtor is entitled to stop all pre-suit creditor contacts in an attempt to collect a debt by sending the letter set out below. Violation of this notice by the creditor or collection agency or even their lawyer can result in severe penalties under the Federal Law. Creditors and collectors, if you receive such a letter, immediately alert all your staff and any collection agency you are using to stop all further contact with the debtor or the employer, verbally or in writing, except to file suit. Persistent violation by a collector may result in a
Federal Court suit.

From the debtor:

Re: [customer and account #]

Dear Sir/Madam:

Your office has been pursuing collection of an account relating to the above. Please be advised I am not in a position to make the payments due on this account. I hereby instruct you to cease all further telephone or personal contact either to my place of employment or to my home in attempts to discuss this account This notice is given to you pursuant to the Federal Fair Debt Collection Practices Act, 15 U.S.C.A. Section 1692 et. seq. I have been advised by my attorney of my civil remedies if you ignore this notice.

Sincerely,
[Debtor’s name
and address]

(not part of the above letter)

Use of this Web Site and review of this Article does not create an attorney- client relationship. The law and its application by the courts is constantly evolving and changing. As with all memoranda in these archives, the discussion of the law is for general informational purposes, is in general summary form, is not to be taken as a definitive guide, and should not be relied upon to determine all fact situations. Each set of facts must be examined separately with the current case and statutory law analyzed and applied accordingly.