Legal Question in Credit and Debt Law in California

If you're unable to pay the debt because your income only covers your necessities, you can request that they not contact you. Send a certified mail letter to the creditor.

Date __________________

To:____________________

____________________

____________________

Re: Account number __________________________

Name: ________________________ (your name)

To Whom It May Concern:

I request that you cease all written and oral communication with me. This request is made pursuant to 15 U.S.C. Section 1692c(c).

I am unable to pay this debt because my sole source of income is insufficient to cover my basic necessities of life. I do not have the ability to pay this debt now and your constant calling is causing me distress.

If you fail to comply with my request, I intend to avail myself of all appropriate legal remedies.

Yours,

[Sign Your Name]

Use of this free question and answer is for informational purposes only. It does not and will not create an Attorney-Client relationship. For more detailed information consult an attorney in your area.