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Cease communication?

Discussion in 'Credit Talk' started by QUEEN_BEE, Jul 1, 2002.

  1. Jul 1, 2002 #1
    QUEEN_BEE

    QUEEN_BEE Well-Known Member

    If:

    1. you send a CEASE COMM letter to a CA they must cease further communication with the consumer, and

    2. The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium which includes reporting to a CRA,

    then, once you send a CEASE COMM letter they should be bound from reporting to a CRA.

    Is this a far-fetched idea?
     
  3. Jul 1, 2002 #2
    Quixote

    Quixote Well-Known Member

    I know that conveying info to the CRA's has been defined by the FTC and the courts as "Collection Activity", but I'm not so sure about defining it as a "communication".
     
  4. Jul 1, 2002 #3
    javan

    javan Well-Known Member

    No, a C&D(accompanied with a dispute of the debt) prevents the CA from contacting you and continuing collection activity - which includes reporting info to CRA's. I think the key here is that you must dispute(ask for validation) in order to make the CA cease all collection activity.

    hope this helps
     

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