Credit Repair and Cease Communication Letter

There are a wide variety of credit repair tools that can protect you from the advances of collectors, inform any negotiations you may attempt, and even eliminate the collector from your life once and for all. Aside from state statutes of limitation, which are essential in managing collection issues, the credit repair weapons that you will utilize in your battle against collectors are all embodied in the Fair Debt Collection Practices Act (FDCPA). One of the weapons is the cease communication letter. It can be useful in your credit repair effort, but it must be used cautiously.

Stopping Bad Collectors

Many collectors conduct business in a very measured and considerate manner, but there are those in the industry that are nothing less than emotional terrorists, trained in the art of intimidation and manipulation. If you are faced with this type of collector you may decide to put a forceful end to their presence in your life. You can do this with a cease communication letter.

The Letter of the Law

FDCPA Section 805 [15 USC 1692c](c): If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except – (1) to advise the consumer that the debt collector’s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Proceed With Caution

In plain English, all you need to do is mail a letter, preferably certified, to the collector, formally demanding that they cease all communication with you. Per the above excerpt they may contact you one more time to advise you that they will not contact you again, or that they intend to pursue other legal remedies against you. Unfortunately this may include a lawsuit. So before utilizing this powerful credit repair remedy please contact us for a review. We will research the statute of limitation for the debt, validate the debt if possible, and advise you of your options.