Dealing with Collection Agencies

Dealing with collection agencies can be daunting if you don't know what your rights. For some people, dealing with collection agencies is an unavoidable fact of life. For others, dealing with collection agencies is left to someone else. If you are faced with dealing with collection agencies, be sure to understand your rights because you have many. Don't be dealing with collection agencies blindly. If you are dealing with collection agencies without showing them that you know your rights, they probably will get away with things they would not otherwise have. So, take precaution when dealing with collection agencies.

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Cease Communication Notice to the Collection Agencies

Under the Fair Debt Collection Practices Act, a consumer or debtor can advise a debt collector in writing that he or she will not be paying the debt and advise the debt collector to stop all future communication regarding the debt. This is known as the cease communication notice.

When the collection agency receives the Cease Communication Notice, the only subsequent communication the collection agency may send to the debtor is for the purpose of:

• Advising the debtor that the collection agency is stopping any future collection attempts
• Advising the debtor that the collection agency may pursue other means of collecting debt.
• Advising the debtor of the collection agency's intention to pursue a specific remedy to collect the debt.

Credit Protection Association L P unfair debt collection practices