LAWDOG Fair Debt Collection Practices
Act
MORE DETAIL: When
Notice Is Effective
LAWDOG
is intended to assist in the understanding of basic concepts. See Disclaimer.
Always obtain legal advice from legal professionals.
Section 805
(c), (d)
Communication in connection with debt collection
(c) Ceasing communication
If a consumer notifies a debt collector in writing
that the consumer refuses to pay a debt or that the consumer wishes the
debt collector to cease further communication with the consumer, the debt
collector shall not communicate further with the consumer with respect
to such debt, except --
(1) to advise the consumer that the debt collector's
further efforts are being terminated;
(2) to notify the consumer that the debt collector
or creditor may invoke specified remedies which are ordinarily invoked
by such debt collector or creditor; or
(3) where applicable,
to notify the consumer that the debt collector or creditor intends to invoke
a specified remedy.
If such notice from the consumer is made by mail,
notification shall be complete upon receipt.
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(d) "Consumer" defined
For the purpose of this section, the term "consumer"
includes the consumer's spouse, parent (if the consumer is a minor), guardian,
executor, or administrator.
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