 A debtor is a person that has an obligation to pay a debt to a creditor. This debt may be for such things as a car, a personal loan, medical bills, rent or a credit card charge. Occasionally, the debtor may fall behind in his repayment of the debt. At this time, the creditor may employ a third party to recover the debt, often referred to as debt collectors or collection agencies. While debt collectors are allowed to contact you for legitimate purposes, the Fair Debt Collection Practices Act (the “FDCPA”) prohibits any abusive, unfair or deceptive practices. Unfortunately, many of the practices of the debt collectors, while not reaching the level of prohibited behavior, may be extremely annoying and intrusive. For example, a debtor may receive dozens of calls and letters regarding the debt. There are, however, some options for debtors in this situation. The FDCPA includes specific provisions that, when employed, restrict the frequency and type of communication a debt collector can make with a debtor. This letter is designed to help the debtor take advantage of his rights under the FDCPA and restrict the manner and frequency of contact by collection agencies. In addition, for your reference we have included excerpts from the FDCPA regarding your rights as a debtor. This form can be used is all states. $7.99
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