How to Stop FDCPA Letters with DoNotPay
A is a formal notice letter given to clients who haven't paid their bills on the agreed-upon date. This letter informs the recipient about their outstanding debt, requests them to pay their debts at a particular date, and tells them of what would happen once they fail to pay.
Debt collectors should follow strict FDCPA guidelines when issuing debt collection letters to their clients. Unfortunately, not all debt collection agencies use fair collection practice act letters. Some usually use threatening and aggressive language, contrary to FDCPA requirements. DoNotPay can help you write dispute letters to debt collectors or indefinitely stop the debt collection process with its . Follow the steps below, and we'll help you handle your debt collection letters the right way.
What is the Fair Debt Collection Practice Act?
The FDCPA is a federal law enacted in 1977 that prohibits unfair third-party collection practices, including inappropriately contacting someone you owe, harassing, or threatening that person.
Though the law is clear, many debt collectors don't follow these rules. As a result, borrowers utilize their rights to lodge complaints against fraudulent debt collection practices.
The Federal Trade Commission enforces the FDCPA, here is their information:
|Company||Federal Trade Commission (https://www.ftc.gov/)|
|Mailing Address||Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
|Phone Number||(202) 326-2222|
|Email or Contact Form||https://www.consumer.ftc.gov/contact-us|
What Are FDCPA Regulations?
Ideally, borrowers should pay their debts on time or arrive at a reasonable payment plan. However, if you're a delinquent borrower, you're entitled to respect and privacy treatment. Therefore, FDCPA limits debt collection calls between 9 pm – 8 am and shouldn't call you at your workplace if you aren't allowed to take calls.
The FDCPA also prohibits debt collectors from using abusive language, threatening to arrest or use violence, and shouldn't talk about your finances with someone unauthorized to do so.
How Should Debt Collector Issue an FDCPA Validation Letter?
If a debt collector initially contacts you by phone and insists on contacting you in writing, they are required to write a debt validation letter. A debt validation letter must comply with the FDCPA requirements provided above. An FDCPA-compliant validation letter should include the following information:
- The amount that you owe your lender
- The initial date supposed to pay
- A new date for your payment, whether ASAP or with longer instructions on how to pay your debts
- Instructions on how to communicate with the debt collector if you have paid the debt
- A reminder that the payment is due
- A firm but friendly warning of impending action if you fail to pay your debts on time
- A note that gives you the right to dispute your debt through a debt validation letter within a specific timeframe
- That by disputing your debt in writing, you must provide written evidence of your debt
How Do You Write an FDCPA Dispute Letter?
Once a debt collection agency contacts you about money that you owe, you should write a dispute letter describing that you've paid your debt, the debt isn't yours, or the debt's statute of limitations has expired.
You should write an FDCPA-complaint letter 30 days after receiving the debt validation letter from the debt collection agency. While writing a debt dispute letter, ensure that it includes the following information:
- Your personal identifying information
- Verification of the money that you owe the debtor
- Name of your creditor of the debt
- A request to remove the matter if you've resolved it
- A request to resolve the matter if you've not resolved it
Writing a dispute letter can prove challenging, even with the availability of numerous sample letters you can depend on. DoNotPay can help you write a dispute letter that guarantees indefinite stopping of the unfair debt collection practices made against you.
How Can DoNotPay Help You Respond to a Debt Collection Letter?
Are you receiving threatening or unfair debt collection letters from your lender's collection agency and not knowing how to respond? Don't worry. DoNotPay can help you respond to these letters with the following three easy steps.
Here’s how it works:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.
And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.
Solve Other Issues with DoNotPay Stop Debt Collection Product
At DoNotPay, we can help you with almost any issue related to unfair debt collection practices. Use our service to solve problems such as:
- Use your stimulus check to pay your debt
- Learn how often it takes a debt collector to take a debtor to court
- Learn about ERC Debt Collection
- Learn how to deal with debt collectors
Why Should You Use DoNotPay to Stop a Debt Collection Letter?
Our service guarantees first-class mail responding to the unfair debt validation letter you wrote. DoNotPay is the best choice for you because we are:
- Fast: You don’t have to spend too much time searching ways to make debt collectors stop harassing you.
- Easy: You only have three steps to accomplish to get that dispute letter written and sent to the proper authorities.
- Successful: You can rest assured that we are making the best case for you.
What Else Can DoNotPay Do?
We have more than stopping debt collectors to offer you. We have more products that you will find useful:
- Cancel subscription or services
- Write financial aid appeal letters
- Get help with your bills
- Claim that missing money
Sign up today, and let's get started.