What is a debt collection harassment cease and desist letter?
A debt collection harassment cease and desist letter is a letter written to a debt collector, letting them know that their communication attempts are unwelcome and have caused distress. This letter is intended to put an end to their practices, as stipulated in Florida collection defense law. It is important to note that debt collectors may not contact an individual or organization outside of their “business hours” which are typically defined as Monday to Saturday, 8am to 9pm or Sunday between 1pm and 5pm, depending on the locality. Additionally, debt collectors are limited in the number of times they can contact an individual or organization. The cease and desist letter should include the name of the debt collector, the date of the letter, the debt collector’s contact information, a statement that you feel harassed by the creditor, and a demand that the debt collector stop all forms of contact. Enclosing a copy of the letter or email sent to the debt collector can also help to keep a record of the correspondence for your records. Once a debt collection harassment cease and desist letter is sent, the debt collector may no longer contact the individual or organization directly. If they do, they will be subject to penalties determined by the Florida Collection Defense Law. It is important to note that this letter only serves to stop the harassment and does not eliminate the debt or payment that is owed.
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