Prevent Debt Collection Transfer

Summary

To prevent a hospital from transferring a debt to a collection agency during active negotiations, draft a letter requesting the cessation of collection activities. Reference the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. § 1692c and 15 U.S.C. § 1692g, to support your request. These statutes regulate communication and require debt validation. If a collection agency is involved, inform them of ongoing negotiations with the original lien holder and request a halt in collection efforts. Confirm receipt of your request to ensure compliance.

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Please cite relevant federal statutes
For your situation, you might reference the Fair Debt Collection Practices Act (FDCPA) when communicating with the hospital. Key points include:
- * U.S.C. § 1692c: Communication in connection with debt collection
- * U.S.C. § 1692g: Validation of debts
- * U.S.C. § 1692k: Civil liability for violations
These statutes outline your rights regarding debt collection and communications.
‘explain these statutes to me
Sure! Here’s a brief explanation of each of those statutes:
- * U.S.C. § 1692c: This section of the Fair Debt Collection Practices Act (FDCPA) restricts how and when a debt collector can communicate with you. It includes rules about not contacting you at inconvenient times or places and how to handle communications if you have an attorney.
- * U.S.C. § 1692g: This requires debt collectors to provide you with a written notice of your debt within five days of their first contact. The notice must include the amount of debt, the name of the creditor, and your right to dispute the debt within 30 days.
- * U.S.C. § 1692k: This section provides for civil liability against debt collectors who violate the FDCPA. It outlines the potential damages and legal fees that can be awarded to consumers if their rights are violated under the act.
If you need further details or have more questions, feel free to ask!
Draft a letter to a collection agency citing federal statute saying that I am still in active negotiations with the original lien holder.
Case Rating: *
Sure, here’s a draft for your letter:
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[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
[Collection Agency's Name]
[Address]
[City, State, ZIP Code]
Subject: Notification of Active Negotiations with Original Lien Holder
Dear [Collection Agency's Name],
I am writing to inform you that I am currently in active negotiations with the original lien holder regarding the debt referenced in your recent communications.
Pursuant to the Fair Debt Collection Practices Act (FDCPA), specifically * U.S.C. § 1692c and * U.S.C. § 1692g, I request that you cease all collection activities until these negotiations are concluded.
Please confirm receipt of this request and the cessation of any collection efforts.
Thank you for your cooperation.
Sincerely,
[Your Name]
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Would you like any additional information or assistance?