Cease and desist FDCPA violations

Posted by scott (65.25.98.79) on August 13, 2002 at 12:24:13:

In Reply to: Cease and desist posted by scott on August 13, 2002 at 12:22:12:

Once the cease and desist letter is sent then can only get ahold of you to take a specific action such as a lawsuit. IF they sent another letter asking for payment that is called a dunning letter and is illegal.

§ 805. Communication in connection with debt collection [15 USC 1692c]

(c) CEASING COMMUNICATION. 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, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

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