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Debt collector never send written notice

Notice to Debt Collector - Posing Lengthy Series of Questions or Comments 2025

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The document outlines the process for consumers to address violations of Section 806 of the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from harassing or abusing individuals during debt collection. It provides a template for notifying a debt collector of such violations, including instructions for sending letters via certified mail and filing complaints with the Federal Trade Commission (FTC) and state attorney general's office. The document emphasizes the importance of documenting violations and encourages consumers to take action against persistent abusive practices.

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What are two things that debt collectors are not allowed to do?

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

What is the 777 rule with debt collectors?

If you want to stop debt collectors from calling you, the phrase to use is: Please cease and desist all communication with me about this debt. This simple phrase, when sent in writing to a debt collector, legally requires the debt collector to stop contacting you except to notify you of specific actions, such as

What is the 777 rule for debt collectors?

Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.