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VIA ________ — CERTIFIED MAIL, RETURN RECEIPT REQUESTED
Certified Mail No.: ________
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RE: NOTICE TO CEASE AND DESIST ALL COMMUNICATIONS AND DISPUTE OF ALLEGED DEBT
Account / Reference No.: ________
Alleged Creditor: ________
Alleged Amount: $________ (________ dollars)
Dear ________:
§ 1. Purpose of This Letter. This letter constitutes formal written notice, pursuant to the federal Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 et seq. (the “FDCPA”), and any applicable state debt-collection and consumer-protection statutes, that you and ________ (collectively, “you”) are directed to immediately CEASE AND DESIST all contact and communication with me concerning the collection of the alleged debt identified above and all matters related thereto.
§ 2. Background. On or about ________, I received a communication from you in the form of ________, in which you asserted that I owe a debt in the amount of $________ (________ dollars) allegedly owed to ________.
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§ 5. Prohibited Conduct. Be advised that any further contact in violation of this notice, and any conduct prohibited by 15 U.S.C. §§ 1692c, 1692d, 1692e, and 1692f — including harassment, false or misleading representations, or unfair collection practices — will constitute a violation of federal law and may give rise to statutory damages, actual damages, costs, and reasonable attorney’s fees under 15 U.S.C. § 1692k, as well as remedies available under applicable state law.
§ 6. Consequences of Non-Compliance. Please be advised that if you fail to comply with this demand, I intend to pursue all legal remedies available to me, including filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and the Office of the Attorney General of ________, and initiating civil legal action against you for any and all violations of the FDCPA and applicable state law.
§ 7. Reservation of Rights. This letter is sent without prejudice to, and with full reservation of, all of my rights, remedies, claims, and defenses, whether at law or in equity, all of which are expressly reserved. Nothing in this letter shall be construed as an acknowledgment of any debt or liability whatsoever.
§ 8. Records. Please retain a copy of this letter in your records and govern yourself accordingly.
Sincerely,
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