Drop Dead Letter for Debt Collectors
If you are a Consumer who is being hounded and harassed by a third party debt collector, you have the right under the Federal Fair Debt Collection Practices Act to get them to stop the harassment. All you need to do is draft what I call the Good Old Drop Dead Debt Collector Letter.
Here is a sample.
ABC Debt Collector
123 Dirt Bag Lane
Anywhere, Kentucky, 666 666
Re: Your Name
Original Creditor
Original Account Number
Debt Collector's Account Number
XXX-XX-Last Four Digits of Your Social (Never Give Your Complete SSN)
Dear Sir or Madam:
Recently your organization has contacted me about a debt that I allegedly owe. I know that I am protected by the Federal Fair Debt Collection Practices Act from third party debt collectors, and therefore, pursuant to this Federal Statute, I hereby Demand that you stop contacting me with regard to this alleged obligation. I will not tolerate harassment from your organization or any other debt collectors.
Have a Nice Day
Name/ Signature
I know it is a little expensive, but, I would recommend that you send this letter CMRRR, and I would suggest that you keep the Green Cards once you receive them back from the Post Office.
I will keep posting more ideas on how to deal with the debt collectors as long as you will keep checking back to this blog.
Take Care
This post was submitted by Carmen Dellutri, Esq., founder of The Dellutri Law Group, P.A. Currently, the firm has offices in Port Charlotte, Fort Myers, Naples and Sarasota. Mr. Dellutri also sits on the Board of American Board of Certification. Mr. Dellutri is also one of the founders of the Bankruptcy Law Network, Debt Law Network, Credit Law Network, and Mortgage Law Network. Mr. Dellutri also writes for the firm's bankruptcy blog, mortgage modification blog, www.floridainjuryandaccidentlawyerblog.com and www.fairdebtcollectionpracticesactblog.com.
