Notice to Cease Communications
Consumers can stop creditors from harassing phone calls by sending a cease and desist letter.
Dealing with overwhelming debt can place a large amount of strain on a debtor’s family. Creditor harassment does not make the process any easier. Fortunately, the Fair Debt Collection Practices Act provides consumers with the ability to stop creditor harassment. Consumers who want to end collections calls immediately can create a cease and desist letter to terminate communications on a specific debt.
How to Write a Note to a Creditor to Cease Communications
The consumer should write one individual letter for each account. He or she can create a letter using a simple word processing program such as Word or Notepad. The letter should contain the account number of the open debt so that the creditor can reference it. The consumer’s name, address, and phone number should also be somewhere in the communications.
What to Say in a Cease Communication Letter
A letter to a creditor does not have to be long and personal. The consumer’s purpose for writing the letter is to cease communications. That person should simply state his or her desire to have all communications ended regarding the account named in the letter. The person can also add that he or she has full knowledge of the laws contained in the Fair Debt Collections Act. The consumer should end the letter with a neutral closing, and he or she should sign it.
When Do Creditors Have to Stop Calling?
A creditor that receives a cease and desist letter must stop harassing phone calls immediately. The organization will have one final opportunity to make contact with the debtor. During this communication, the creditor can notify the debtor of its intention to take him or her to court. The creditor may also state formally that the company will no longer make collection calls. After that final contact, the creditor may not communicate with the debtor about that debt.
Bankruptcy for Harassment Cessation
Bankruptcy is just one of many options for debt repair. However, it is a powerful option for ending creditor harassment. Creditors are not allowed to make collections calls once a debtor applies for bankruptcy. They must wait to voice any concerns that they have in the courtroom. Any creditor that does harass a debtor after a bankruptcy filing may be susceptible to fines and prosecution.
Debt Consolidation for Ceasing Contact from Creditors
Consumers can take proactive steps that can stop creditor contact and resolve their debt problems. A debt consolidation program can assist a debtor with ending creditor harassment. A debt consolidation program consists of a strategic plan that places all open accounts into one neat monthly payment. A specialist handles the consumer’s account and negotiates with the creditors to reduce fees and interest rates. This takes most of the strain off the consumer and simplifies the payment process. Once a consumer has a debt consolidation plan in effect, he or she can ask the account specialist to speak with the creditors about ceasing contact.