If Collection Bureau of Hudson Valley sends calls you at home or sends you a letter, you have the legal right granted by a federal law to request the debt collection agency to stop contacting you.
By sending a cease and desist letter crafted by a licensed consumer protection lawyer, you stop all forms of communication from Collection Bureau of Hudson Valley.
Under federal law, third party debt collectors are allowed to respond to a cease and desist letter on two conditions: either to confirm the reception of the letter or to inform you of the debt collection agency’s intent to file a lawsuit to collect the outstanding debt.
Hire a FDCPA Lawyer to Send a Cease and Desist Letter
Passed by the United States Congress in 1977, the Fair Debt Collection Practices Act (FDCPA) grants consumers the right to send cease and desist letters to third party debt collectors. Each state has enacted legislation that fills in the legal blanks left by the FDCPA, including clauses that address cease and desist letters.
A licensed and experienced lawyer can help you write a cease and desist letter containing the proper language to end all forms of communication from Collection Bureau of Hudson Valley.
Your lawyer will use language that does not include emotionally charged threats, as well as conform to state law and the provisions spelled out in the FDCPA.
The FDCPA offers you protection against abusive language and threatening messages left by third party debt collectors such as Collection Bureau of Hudson Valley. Debt collection agencies are also prohibited from implementing deceptive techniques to collect delinquent debts, such as making up deadlines to pay off a debt owed to the original creditor.
An accomplished FDCPA lawyer knows how to write a cease and desist letter that follows FDCPA guidelines to give you proper legal standing in court in case Collection Bureau of Hudson Valley continues to contact you.
What to Include in a Cease and Desist Letter
Your FDCPA lawyer will put the date at the top of the cease and desist letter to create a time stamp to use if your debt collection case goes to court. The addition of current personal information like name, address, and phone number is a necessary legal formality.
After the basic information comes the meat of the letter, which your lawyer will follow a general template to craft the content.
Your cease and desist letter should look something like this:
“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 that 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.”
Section 15 U.S.C. c(c) of the FDCPA gives you the legal right to seek financial damages for violations of the FDCPA. If Collection Bureau of Hudson Valley harasses you by contacting you, speak with a FDCPA lawyer to end all forms of communication from the debt collection agency.
*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 Collection Bureau of Hudson Valley or any other third-party collection agency, you may not be entitled to any compensation.