Monthly Archives: January 2015

US Bank update/ revision of cease and desist letter

You all probably remember me posting how my inlaws were contacted by US Bank recently looking for us concerning a debt we have with them. Well, my Dad’s girlfriend just called me and apparently they are calling my Dad’s house now too. It was suggested that since I’m writing the original creditor and it hasn’t been that long since we’ve been not making payments to keep my cease and desist letter to a minimum, not be too harsh and threatening.

So, I have revised what I had. Let me know if it should work with keeping them from contacting any further people, as well as us by phone, and if it sounds within reason to send without actually ticking them off more. Also, I was told to make sure it’s sent certified mail. Is there anything else I need to know before sending this? By the way, here is my revised letter:

To Whom it may concern:

I have been contacted by your company about a debt you allege I owe. I do not admit or deny liability on the debt. However, I am instructing in writing, that no telephone contact be made by your offices to my home, cell phone, friends, neighbors, third parties, family members or to my place of employment. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further by telephone once I have notified you not to do so.

If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

Sincerely,

(name)

(Account No.)