Debt-n-Credit Letters.com


Are Debt Collectors calling you about someone else's debt? Have you told the collector repeatedly that the debtor does not live there?

Collectors often call 3rd parties trying to locate a debtor. These initial calls to 3rd parties are legal as long as the collector does not already possess the debtors location information (home address and home phone number). Collectors who possess a debtor's location information but call 3rd parties anyway, violate section 804(3).

Legitimate reasons for calling 3rd parties include:

  • Debtor resided at the 3rd party address at one time;
  • 3rd Party's current phone number previously belonged to the debtor;
  • Collector has reason to believe the debtor still resides at the 3rd party address

Feel free to copy and paste the letter below into your word processor or, fill the Stop Calling 3rd Party Letter form and I'll send you a free copy. I usually send letters within minutes of receiving requests for them.

Common reasons why you may not receive the letter. You're:

  1. Spam filters ate it;
  2. Email address is wrong;
  3. In-box is full or reached it's size limit;
  4. Server is slow or down for maintenance

Most people receive my letters within minutes of their request however, some email servers can be slow at times, especially during peak hours so it may take just a few minutes or as long as several hours before the document arrives in your E-mail in-box.

Stop Calling 3rd Party Letter
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Email

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First Name

Last Name

FREE Sample Letter Stops Debt Collection to 3rd Party Calls

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

Mr./Ms. Collector,

I am writing in response to your constant phone calls that are in violation of the Fair Debt Collection Practices Act, specifically:

804(3) - Acquisition of Location Information (15 USC 1692b): Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.

806(5) - Harassment or Abuse (15 USC 1692d): A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The following conduct is a violation of this section; "Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number."

I have informed you on several occasions that the consumer you are trying to contact does not live at my address, is not associated with my phone number and that I have no additional location information to provide you. Therefore, in accordance with section 804(3), I demand that you stop calling me at home, at work, on my cell phone or at any other location!

Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me, I will consider your actions in violation of section 806(5) and pursue all available legal actions to stop you from harassing my family and me.

Signature
Your Printed Name


IMPORTANT: Always send stop calling letters by "official mail - return receipt requested" and keep a copy for your records.

If you've fallen behind on your bills, especially credit cards, don't panic. You may have several good options available to you. Your success starts by assessing your current situation and finding a trusted service provider that is licensed in your state.
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