Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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Here is a sample C&D letter provided by the Mass. government but it works in all states:
Generally, the debtor would send a "cease and desist letter" letting the creditor know they are in violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692a
If you do not stop immediately, I may be forced to take legal action.
This type of communication will generally result in the creditor from refraining from contacting you. It should ideally be sent via certified mail.
Verbal requests are not in compliance with the Act.
The creditor can be liable for $1,000 per violation, plus damages suffered by the plaintiff.
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