Cease Communication Letter To Debt Collectors Template for India

The Cease Communication Letter To Debt Collectors is a crucial legal instrument used in the Indian jurisdiction when a debtor wishes to stop communication from debt collectors. This document becomes necessary when debt collectors' communication becomes excessive, harassing, or when the debtor wishes to handle the debt through legal representatives. It must comply with the RBI Guidelines on Engagement of Recovery Agents, the Consumer Protection Act, 2019, and other relevant Indian legislation. The letter typically includes the debtor's personal information, relevant account numbers, explicit instructions to cease communication, and specifies permitted forms of future contact. It serves as documentary evidence of the formal request and can be used in legal proceedings if the debt collector fails to comply with the cease communication request.

1. Sender's Information: Full name, address, and contact information of the person sending the letter

2. Date: Current date of the letter

3. Recipient's Information: Debt collection agency's name, address, and any relevant contact information

4. Subject Line: Clear indication that this is a cease communication request, including any relevant account numbers

5. Account Identification: Details of the debt account(s) in question, including account numbers and any reference numbers

6. Formal Request to Cease Communication: Clear statement requesting all communication to stop, citing relevant RBI guidelines and laws

7. Permitted Communication Specifications: Statement specifying the only types of communication that will be accepted (such as legal proceedings)

8. Consequences of Non-Compliance: Statement regarding potential legal action if the request is not honored

9. Signature Block: Formal signature with sender's full name and any relevant identification numbers