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Cease And Desist Letter To Debt Collector
"I need to draft a Cease and Desist Letter to Debt Collector to stop ABC Collection Agency from calling my elderly mother outside business hours and making threats; they claim we owe $5,000 on a credit card debt that we've already settled in January 2025."
1. Sender Information: Full contact details of the person sending the cease and desist letter
2. Recipient Information: Full details of the debt collector or collection agency
3. Date: Current date of the letter
4. Account Reference: Any relevant account or debt reference numbers
5. Description of Harassment: Detailed account of the debt collector's objectionable behavior
6. Legal Basis: Citation of relevant laws being violated, including Moneylenders Act, POHA, Banking Act, and PDPA
7. Demand to Cease: Clear statement demanding immediate cessation of harassment
8. Legal Consequences: Statement of potential legal action if harassment continues
1. Dispute of Debt: Section addressing the validity of the underlying debt claim, to be included when the debt is disputed
2. Previous Communications: Reference to prior attempts to resolve the situation and previous communications with the debt collector
3. Third Party Authorization: Statement about legal representation when the letter is sent by an authorized representative
1. Evidence Log: Documentation of harassment incidents including dates, times, and nature of contact
2. Communication Records: Copies of relevant communications, screenshots, or recordings of harassment instances
3. Power of Attorney: Documentation of legal authority when letter is sent by an authorized representative
Authors
Debt Collector
Collection Agency
Creditor
Debt
Subject Account
Disputed Amount
Collection Activities
Communication Methods
Business Hours
Licensed Moneylender
Original Creditor
Personal Data
Prohibited Conduct
Contact Details
Authorized Representative
Notice Period
Legal Action
Written Communication
Reasonable Hours
Account Reference
Nature of Harassment
Legal Violations
Cease and Desist Demand
Time Compliance
Legal Consequences
Evidence Documentation
Contact Restrictions
Debt Dispute
Communication Methods
Documentation Records
Prior Incidents
Legal Authority
Jurisdiction
Notice Period
Receipt Confirmation
Future Communications
Compliance Timeline
Enforcement Rights
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