What is a debt collection harassment cease and desist letter?

In California, a debt collection harassment cease and desist letter is a letter sent to a debt collector that requires them to stop contacting you about a debt. This is an important tool for protecting yourself against debt collection harassment. This letter informs the debt collector that you are aware of your rights under state and federal law and that you are formally requesting that they cease any contact with you concerning the debt. A debt collection harassment cease and desist letter also serves to remind the debt collector that they must comply with the Fair Debt Collection Practices Act (FDCPA). This act outlines certain rules that debt collectors must abide by when dealing with consumers, including not contacting them via phone, mail, fax, or in person beyond a certain amount of times in a given period. This letter can be useful in protecting against harassment and abuse from debt collectors. It also serves to inform the debt collector that if they choose to ignore your request, you can make a complaint with the Federal Trade Commission. The letter is typically sent by certified mail, so that the collector is aware that their contact with you is being documented. Overall, a debt collection harassment cease and desist letter is an important tool in protecting yourself against harassment and abuse from debt collectors in California. It also serves to remind the debt collector that there are certain rules they must follow when dealing with consumers, and that you can take legal action if they fail to do so.

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What is a debt collection harassment cease and desist letter?

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