Re: Cease and desist orders

Posted by CardReport.Com on November 16, 2000 at 01:26:20:

In Reply to: Cease and desist orders posted by Tim on November 14, 2000 at 19:02:35:

First, a third-party collection agency can continue
to report the derogatory item as a "Collection
Account" to the credit bureaus until the normal
expiration date, and you can *not* force them to
stop doing this just by demanding it or sending a
"cease communication" letter. See our *Credit
Problems* section (link is at left) for an
explaination of the credit reporting time limit.

As far as "ceasing communication," this is specified
in the Fair Debt Collection Practices Act,
Section 805(c), which you can find in our
*Credit Laws* section (link is at left.) You just
need to send them your request/demand in writing,
with something like, "As per the FDCPA, I hereby
notify/request/demand that you cease communication
with me on this matter."

See our *Credit Problems* section for the
Collection Agency FAQ, with general advice on
dealing with third-party collection agencies.

Good Luck.

Read the Collection Agency Frequently Asked Questions FAQ

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