How To Use
A Cease Contact Letter
With Creditors and Collection Agencies
There are two kinds of creditors:
1. Your Original Creditors -- this is the party you originally borrowed money from or owe
2. A Collection Agency -- this is third party that bought your debt from the
creditor or was hired by the original creditor to collect the debt.
Creditors and Collection Agencies have to follow certain laws.
Your original creditor, by law, CANNOT:
contact you early in the morning or late at night.
contact you at work, especially if you write a letter asking them to stop. (HRS §480-D)
Collection agencies, by law, CANNOT:
contact you early in the morning or late at night;
contact you at work, especially if you write a letter asking them to stop;
contact you at all, IF you write a letter asking them to stop contact you. (15 USCA §1692)
There are three sample “Cease Contact” letters for you to follow:
The “Don’t Contact Me At Work” letter can be used for both creditors and collection
There is a cease contact letter to creditors and a cease contact letter to collection agencies that
you can also use. Remember, collection agencies must stop contacting you once they receive
your letter, BUT your original creditors do not have to stop.
Mail the letters “Certified Mail with a Return Receipt Requested.” When you mail like this, the postal
worker will have the creditor/collection agency sign for the letter to receive it and you will get a receipt
back with a signature. This will be your proof that the creditor/collection agency received your letter.
If you receive any correspondence from collection agencies after you mail the cease contact letter, call
Legal Aid. We may be able to help you.
SAMPLE LETTER TO CREDITOR THAT IS NOT A COLLECTION
__(Put your address here)__________