Cease Debt Reporting Request

When dealing with collection agencies in Georgia, it's important to know your rights. Here are some key points:
- The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection practices.
- Collection agencies cannot harass, threaten, or deceive you.
- You have the right to request verification of the debt.
Is there a specific issue or concern with the collection agency that you'd like more information on?

To cease reporting of a debt, you can request the collection agency to stop reporting it to credit bureaus. Here’s how:
- Send a written dispute to the collection agency, asking them to verify the debt.
- If the debt is inaccurate or invalid, request its removal.
- You may also contact the credit bureaus to dispute the debt.
Is there a specific reason you believe the debt should not be reported?

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To help you with drafting a sample letter to request the cease of debt reporting, consider including the following elements:
*. Your Contact Information:
- Full Name
- Address
- Phone Number
- Email (optional)
*. Collection Agency Details:
- Name of the Agency
- Address
*. Subject Line:
- "Request to Cease Debt Reporting"
*. Body of the Letter:
- State that you are disputing the debt and request verification.
- Specify why you believe the debt should not be reported (e.g., it's inaccurate or invalid).
- Request the cessation of reporting to credit bureaus until resolved.
*. Closing:
- Thank the agency for their attention and provide any additional contact information for follow-up.
If you need more assistance or specifics for your situation, feel free to ask!

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Late fees can be disputed if they are unwarranted. Here are some steps you can take:
- Review the original agreement for terms on late fees.
- Dispute the fees in writing, explaining why you believe they are unwarranted.
- Include any supporting documents proving timely payments.
If you need more assistance, please let me know!