The calls come in during all hours of the day, even late at night and early in the morning before the sun has peaked over the eastern horizon. A debt collector is harassing you.
Fortunately, The United States Congress enacted the Fair Debt Collection Practices Act (FDCPA) to prevent third party debt collectors from harassing consumers and making threats to follow through with debt collection efforts.
The FDCPA also prohibits debt collectors from using deceptive practices to collect outstanding credit accounts. As one of the cornerstones of the landmark consumer protection law, consumers have the legal right to draft and send cease and desist letters requesting debt collectors stop contacting them.
If you have one or more delinquent medical bills and Medicredit contacts you by phone to collect on the bills, you have the legal right to send a cease and desist letter to request that Medicredit refrain from communicating with you in any way.
Crafting a cease and desist letter requires the professional expertise of a licensed FDCPA lawyer.
Writing and Sending a Cease and Desist Letter
A FDCPA lawyer knows exactly how to word a cease and desist letter to ensure a third party collector not only understands it must stop contacting you, but also understands the legal ramifications of ignoring the cease the desist letter.
Consumers that draft cease and desist letters tend to allow emotions to get in the way of writing effective legal copy. Your lawyer will write a cease and desist letter that avoids making personal attacks and instead, focuses on the legal issues at hand.
After writing an effective cease and desist letter, your lawyer should send the letter through certified mail. By sending a certified cease and desist letter, you ensure the letter reaches the Medicredit in a timely manner.
Medicredit must sign a form acknowledging receipt of the cease and desist letter, which confirms your intent on ending all forms of communication with the third party debt collector.
What Your FDCPA Lawyer Will Include in a Cease and Desist Letter
A FDCPA cease and desist letter should contain two clearly written paragraphs. The first paragraph describes how the FDCPA allows for the sending of a cease and desist letter and why third party debt collectors must comply with the consumer request to end all forms of communication.
The second paragraph discusses the ramifications of not complying with the cease and desist order, which include the payment of damages to the consumer that sent the letter.
Section 15 U.S.C. 1692c(c) of the FDCPA specifies the right of consumers to file lawsuits that seek damages for FDCPA violations, including the ignoring of a cease and desist letter.
Your FDCPA lawyer should also type the date at the top of the cease and desist letter to establish a time stamp for when the letter was sent. The date at the top of the cease and desist letter provides legal protection in case your FDCPA lawyer decides to take legal action against Medicredit.
Your personal information follows the date, with a standard greeting initiating the request for Medicredit to stop making contact with you.
Speak with an experienced FDCPA lawyer today to make abusive phone calls and threatening letters mailed by Medicredit go way.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Medicredit or any other third-party collection agency, you may not be entitled to any compensation.