If any of your debt has been sent to collections, you may be familiar with harassing phone calls and letters from collection agencies. Like many residents of Fort Lauderdale, you might be resigned to putting up with the annoying contact while you attempt to retake control of your finances. Fortunately, there is a way to stop these phone calls and letters so you can have some peace and quiet.
Under the Fair Debt Collection Practices Act, you do not have to be subjected to harassing contact from creditors. In some cases, certain behaviors from collection agencies may be illegal. According to the Balance, writing a cease and desist letter should be the first step you take in getting the harassment to stop. You might think that cease and desist letters are only used in business disputes. They are common for this reason because “cease and desist” is a term meaning that you will take legal action if an entity does not comply according to law. The FDCPA states that creditors must stop communication with debtors after receiving such a letter, except to send one more notice informing them of future action, such as the intent to sue for a debt.
Your cease and desist letter can be a simple written notice requesting that phone and mail communication be stopped immediately. You may wish to send the letter by certified mail so you know when the agency received it. The information in this blog should not replace the advice of a lawyer.