Sample Collection Agency Stop Contact Letter

The Fair Debt Collections Practices Act

The Fair Debt Collections Practices Act (FDCPA) gives you the right to send a letter to a collection agency telling them to stop contacting you. The letter can also point out billing mistakes and request verification of the debt (such as a copy of the contract that you signed). If the collection agency does not honor this request, you can sue them.
 

After you send this letter, give the collection agency 10 days to receive it and process it. If, after the 10 days, the collection agency is still calling, you should contact a lawyer. Remember that non-collection agencies (when a creditor handles its own bills) are not required to stop contacting you under the FDCPA.
 

There may be other federal protections, depending on your military status, that can help with credit issues. For example, the purpose of the Servicemembers’ Civil Relief Act (SCRA) is to provide protection to service members who have difficulty meeting their financial and legal obligations because of their military service.
 

What does the attached packet do?

This packet helps you draft a letter to a collection agency requesting stop contact and verification of the debt. The packet is based on the Fair Debt Collections Practices Act. All you need to do is:
 

1. Download the sample letter packet
2. Customize the Sample Letter
3. Save and Print your letter and instructions.
4. Proofread and sign it.
5. Make copies for your own records.
6. Send the original, with attachments, to the collection agency. We recommend that if you mail it, to send it certified with return receipt.

• Sample Form is attached.