[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-280385-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-280385-en":127},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","stop-contact-letter-to-debt-collector-protections-under-the-servicemembers-civil-relief-act","Stop Contact Letter to Debt Collector - Protections under the Servicemembers Civil Relief Act","","Sample stop-contact letter packet for debt collectors, created to help servicemembers and individuals with military connections respond to alleged debts. Includes sections for demanding cessation of contact when unable to pay, disputing the alleged debt and requesting verification, and requesting interest relief when interest exceeds 6% under the Servicemembers Civil Relief Act (SCRA). 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StatesideLegal provides our sample forms and information free of charge to individuals with military connections (IMC) . These forms are not based upon any specific state law or jurisdiction. This packet is based on the Fair Debt Collection Practices Act and is intended as a sample to assist individuals with military connections.\u003Cbr>READ ALL INSTRUCTIONS IN THIS PACKET VERY CAREFULLY.\u003Cbr>PACKET CONTENTS:\u003Cbr>Sample Letter to Credit Collector ______________________________________2\u003Cbr>Helpful Instructions ________________________________________________4\u003Cbr>MORE INFORMATION\u003Cbr>For information about the Servicemembers Civil Relief Act or many more topics concerning individuals with military connections, [visit](visit www.statesidelegal.org)[ ](visit www.statesidelegal.org)[www.statesidelegal.org](visit www.statesidelegal.org) or contact your local Judge Advocate General's Corps office, sometimes referred to as a military legal assistance office. Use the following website to locate the nearest one: [https://legalassistance.law.af.mil/](https://legalassistance.law.af.mil/) . |\n| --- |\n| DISCLAIMER: The Stateside Forms Project is produced by the Pine Tree Legal Assistance and the Legal Services Corporation. These organizations promote or provide free legal services to eligible low-income people. Additional information can be found at [www.lsc.gov. This](www.lsc.gov. This) sample form packet is given to you as a guide to help you generally understand the way legal matters are handled. Local courts interpret things differently. The information and statements of law contained in this fact sheet are not intended to be used as legal advice. Before you take any action, talk to an attorney and follow their advice. Always do what the court tells you to do.\u003Cbr>- |\n\nSERVICE MEMBER NAME  \nADDRESS  \nCITY, STATE ZIP  \nDATE  \nCOLLECTION AGENCY ADDRESS  \nCITY, STATE ZIP  \nRE: Debtor:  \nCreditor:  \nAccount \\#:  \nTo Whom it May Concern:  \nYour company recently contacted me in regards to the above-referenced alleged debt.  \nUSE THIS SECTION IF YOU ARE UNABLE TO PAY: At the present time I am unable to pay the alleged debt. Accordingly, pursuant to the provisions of the Federal Fair Debt Collections Practices Act, 15 U.S.C. § 1692c(c), I hereby demand that you cease any further attempts to contact me, my family, or any third party regarding this alleged debt other than for purposes of verifying the debt.  \nShould you fail to comply with this instruction, I am prepared to file a complaint with the (state) Attorney General, Federal Trade Commission, Bureau of Consumer Financial Protection, as well as pursue your violations of the Fair Debt Collections Practices Act in federal court. Your cooperation will be appreciated.  \nThis is not in any way an acknowledgement that I owe this alleged debt.  \nUSE THIS SECTION IF YOU DISPUTE THE ALLEGED DEBT:  \nI do not believe I owe this alleged debt and I ask that you verify it. Accordingly, pursuant to the provisions of the Federal Fair Debt Collections Practices Act, 15 U.S.C. § 1692c(c), I hereby demand that you cease any further attempts to contact me, my family, or any third party regarding this alleged debt.  \nShould you fail to comply with this instruction, I am prepared to file a complaint with the (state) Attorney General, Federal Trade Commission, Consumer Financial Protection Bureau, as well as pursue your violations ofthe Fair Debt Collections Practices Act in federal court. Your cooperation will be appreciated.  \nThis is not in any way an acknowledgement that I owe this alleged debt.  \nUSE THIS PARAGRAPH IF YOU INTEREST RATE IS ABOVE 6% AND ALL OF THE FOLLOWING IS TRUE. IF NOT ALL OF IT IS TRUE TO YOUR SITUATION, DELETE THIS SECTION  \nThe Servicemembers Civil Relief Act, 50 U.S.C. § 3937, sets a six percent (6%) per annum ceiling on in","cbCairzXC6JKCrEG","https://ap.wps.com/l/cbCairzXC6JKCrEG","pdf",341189,"English","# Packet Contents\n## Sample Letter to Credit Collector\n## Helpful Instructions\n## More Information\n# Letter Sections\n## If You Are Unable to Pay\n## If You Dispute the Alleged Debt\n## If Your Interest Rate Is Above 6%","[{\"question\":\"What should a debtor demand from the collection agency if they cannot pay?\",\"answer\":\"The letter demands that the agency cease further contact with the debtor, family, or any third party regarding the alleged debt, except for verifying the debt.\"},{\"question\":\"How does the letter request verification if the alleged debt is disputed?\",\"answer\":\"It states the debtor does not believe they owe the alleged debt and demands the collector stop contacting them and verify the debt.\"},{\"question\":\"What protection applies when interest exceeds 6% under the SCRA?\",\"answer\":\"The letter states that the SCRA imposes a six percent per annum ceiling on interest charges during military service for qualifying obligations, and it informs the collector that the debt amount accrued due to interest above the limit must be forgiven.\"}]","Stop Contact Letter to Debt Collector - Protections under the Servicemembers Civil Relief Act | PDF",1789538409]