Although a groundbreaking federal consumer protection law bans numerous debt collection agency practices, the fact remains far too many third party debt collectors ignore the federal law.
Enacted by the United States Congress in response to the massive outcry from consumers, the Fair Debt Collection Practices Act (FDCPA) ensures consumers are protected against aggressive debt collection actions.
The consumer bill of rights also grants consumers the power to draft and send a cease and desist letter to third party debt collectors demanding the end to all forms of communication.
One of the most violated provisions of the FDCPA that frequently leads to a cease and desist letter involves phone calls. Under the FDCPA, a bill collector is prohibited from calling you at home or on your cell phone between 9 pm and 8 am.
Any phone calls made to you by a debt collection agency during those hours are considered violations of the FDCPA. Not only should you send a cease and desist letter to Global Collection Agency, you should consult with a licensed FDCPA attorney to determine whether you have a strong enough claim to file in a civil court.
Why You Need Legal Counsel to Write a Cease and Desist Notice
Writing a cease and desist notice for sending to Global Collection Agency requires the help of an experienced consumer protection lawyer for several reasons. First, you can rest assured the third party debt collector will have a team of attorneys carefully scrutinizing the notice.
Second, the notice must be written objectively, without any emotionally charged language included that diminishes the impact of your request. Third, you lawyer will know exactly what to write and how to write it to get your message across clearly.
Finally, your FDCPA attorney will send the notice via certified mail to ensure Global Collection Agency receives it.
Sample Cease and Desist Letter for Global Collection Agency
Your FDCPA lawyer will follow some sort of template when writing the cease and desist letter to Global Collection Agency. The date of the letter should sit at the top of the letterhead to create a time stamp. Then, your personal information should follow, before the letter gets into the heart of the issue.
Here’s a sample cease and desist notice:
“Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act (FDCPA) I am formally letting you to know that your debt collection agency must cease all forms of communication with me in regards to the alleged 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 Global Collection Agency for violations of the FDCPA. Please be aware that after I have confirmed you have received this notice, any communications from your company may be recorded and used as evidence for my legal claims against Global Collection Agency.”
The FDCPA gives consumers the legal right to seek monetary damages for one or more violations of the consumer protection law, including financial damages for suffering from physical and/or emotional distress. Speak with a FDCPA attorney today to stop the emails, phone calls, and text messages from Global 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 Global Collection Agency or any other third-party collection agency, you may not be entitled to any compensation.