When you send a “cease communications” letter to a debt collector, this means the debt collector cannot contact you again (except to acknowledge it and tell you they won’t contact you again). But what do you do if they continue to contact you?
Sue them.
What Is A Cease Communications Letter?
Very simply a letter that says either “Don’t communicate with me again” or “I refuse to pay this debt.”
Those two statements mean the same thing — no further calls or letters.
Send them certified mail and keep a signed copy so you can prove what you sent and that the collector received it.
Why Do Debt Collectors Ignore Your Letter?
Some who sue may not ignore the letter — they may sue you.
Others will transfer the account to another collector who can contact you.
But if your debt collection agency keeps the account they normally will ignore your letter because you won’t pay any money if they aren’t able to harass you. [They can also credit report which is effective but if an old debt, it may be too late so calling and writing is all they can do.]
They figure the odds are that you won’t do anything so there is no risk to the collector violating the Fair Debt Collection Practices Act (FDCPA).
Will Suing The Collector Get Their Attention?
Yes.
Quickly.
It is almost amusing to see the excuses and lies that collectors make up when they get sued for violating a cease communications letter.
But when you sue them, they definitely shut off the calls and letters. If they don’t, you have another lawsuit against them and even the dumbest and most arrogant of collectors don’t like to be sued multiple times.
If your collector ignores your letter, then they must be secretly wanting you to sue them. :)
We suggest you accommodate them!
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