If I.Q. Data International contacts you in regards to the collection of an outstanding debt, a federal law grants you the right to send a cease and desist letter to stop additional attempts of communication.
Passed in September of 1977, the Fair Debt Collection Practices Act (FDCPA) includes clear language about cease and desist letters sent to third party debt collectors.
After you send I. Q. Data International a cease and desist letter, the debt collection agency can contact you only to confirm reception of the letter or to inform you of a pending lawsuit.
The FDCPA also punishes third party debt collectors that verbally abuse consumers or make physical threats to pursue the collection of delinquent credit accounts. I. Q. International is also prohibited from calling you after 9:00 PM and before 8:00 AM.
Debt collection agencies that implement deceptive techniques, such as misrepresenting state and federal law, might have to pay financial damages that can run into the thousands of dollars.
A FDCPA Lawyer Knows How to Write a Cease and Desist Letter
Consumers that draft cease and desist letters run the risk of inserting emotionally charged language that diminishes the legal impact of the letter. A licensed consumer protection lawyer knows exactly what language to include that makes a cease and desist letter legally binding.
The cease and desist letter will contain clear language that explains to I. Q. Data International about the ramifications of not complying with the request to stop all forms of communication.
Your lawyer will send the cease and desist letter through certified mail to ensure the timely arrival of the letter. A representative from I. Q. Data International must sign a form that verifies reception of the cease and desist letter.
What to Include in a Cease and Desist Letter
Legally binding cease and desist letters start with the date at the top of the letter to establish a time stamp in case you need to take I. Q. Data International to court. After the date comes all your personal information that includes your physical and electronic mailing addresses.
Your FDCPA lawyer should craft a cease and desist letter that reads like the following:
“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 federal consumer protection law. Speak with an experienced FDCPA lawyer today to prevent I. Q. Data International from contacting you.
*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 I.Q. Data International or any other third-party collection agency, you may not be entitled to any compensation.