Is a debt collection agency such as Ad Astra Recovery Services, Inc. badgering you into paying off an outstanding credit card or a personal loan account? If you answered yes, you should know that consumers no longer have to deal with the aggressive debt collection tactics implemented by bill collectors.
Many debt collection agencies want consumers to remain in the dark when it comes to knowing about the rights granted to them by state and federal laws. The king of consumer protection laws is called the Fair Debt Collection Practices Act (FDCPA), which the United States Congress wrote into law on September 20, 1977.
According to the FDCPA, third party debt collectors are prohibited from intimidating consumers, such as issuing threats and using abusive language. The FDCPA also provides you with a legal remedy that helps you receive monetary damages for suffering from physical and/or emotional duress.
Another provision tucked into the FDCPA that bill collectors do not want you to discover grants you the right to send a cease and desist order to stop all forms of communication.
How to Write the Most Effective Cease and Desist Letter
Consumers can write their own cease and desist letters, but you should be aware that a bill collector like Ad Astra Recovery Services, Inc. has a team of highly skilled attorneys that will closely scrutinize the legal language you use in the notice.
This means you need to work with a licensed FDCPA lawyer who has written numerous cease and desist notices that have indeed forced third party debt collectors to cease and desist from all forms of communication.
Your attorney will know exactly how to word the notice, as well as include firm, but cordial language that encourages Ad Astra Recovery Services, Inc. to refrain from calling you at home and at work.
Another advantage to having a lawyer write the cease and desist letter is the letter will be sent through certified mail to confirm a bill collector received the letter.
![Notice To Stop: Ad Astra Recovery Services, Inc Sample Letter*]()
Actual Sample Cease and Desist Notice
Although no two cease and desist notices are alike, the beginning of every notice should include the date at the top, followed by the client’s contact information. Then, the account number of the alleged delinquent credit card or personal loan account should come before the main content of the notice.
Here is an example of a compelling cease and desist letter:
For Ad Astra Recovery Services, Inc.:
Under the provisions of Public laws 95 – 109 and 99 – 361, known collectively as the Fair Debt Collections Practices Act (FDCPA), I formally notify you to cease all communications with me in regards to this debt, or any other debts you allege I owe.
Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the [Your State Here] Attorney General’s office.
Additionally, if I’m contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. You should also know I have hired a respected FDCPA lawyer to provide legal counsel.
Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.
Regards,
{Your Name}
Speak with an experienced FDCPA lawyer today to craft a cease and desist letter Ad Astra Recovery Services, Inc. will respect.
Additional Resources
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Ad Astra Recovery Services, Inc. or any other third-party collection agency, you may not be entitled