Under the Fair Debt Collection Practices Act, “If a consumer notifies a debt collector in writing that the consumer refuses 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 to such debt.”1
Today's Date
Your Name
Your Address
Collector's Name
Collector's Address
Mr./Mrs. Collector,
I am writing in response to your constant phone calls.
According to the Fair Debt Collection Practices Act (FDCPA), [15 U.S.C. § 1692c], you must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone, or at any other location.
In accordance with the FDCPA, now that you have received this letter, you may only contact me to inform me that you:
I respectfully request that you provide me with the following information:
Are terminating further collection efforts;
Invoking specified remedies which are ordinarily invoked by you or your company; or,
Intend to invoke a specified remedy.
Be advised that any future contact by you or your company violates the FDCPA, and that since you already have my location information, calls made by you or your company to any third party concerning me violates 15 U.S.C. § 1692c of the FDCPA.
In addition, I am keeping accurate records of all correspondence from you and your company. If you continue calling me, I will pursue all available legal actions to stop you from harassing me and my family.
Signature
Your Printed Name
1 U.S.C. § 1692c (2008). See also http://www.fair-debt-collection.com/ (last visited August 11, 2008).