Stopping a debt collector's calls
- Your name
- Priya Raman
- Recipient
- Northgate Recovery Services
- Letter date
- 2026-03-02
- Type of conduct
- Debt collector contact
- What happened
- Since 3 February 2026 you have called my mobile phone up to six times a day about account 4471.
- Say you may take legal action
- Yes
Result Draft letter: March 2, 2026
To: Northgate Recovery Services
From: Priya Raman
Re: Cease and desist – debt collection
Dear Northgate Recovery Services,
I am writing about the following conduct: Since 3 February 2026 you have called my mobile phone up to six times a day about account 4471.
I demand that you cease all further communication with me about this debt, as permitted by section 805(c) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692c(c).
This notice applies to calls, letters, texts, emails and messages through third parties. You may write to me once only to confirm that you will stop, or to tell me of a specific action you intend to take.
If you contact me again in breach of this notice, I am prepared to pursue the remedies available to me, which may include filing a complaint or a lawsuit, without further notice.
I am keeping a copy of this letter and records of the conduct described above.
Sincerely,
Priya Raman
Issue: Debt collection
Legal basis cited: 15 U.S.C. 1692c(c)
Reply deadline: Not used
Paragraphs: 8
Words: 166
- Issue: Debt collection (basis: 15 U.S.C. 1692c(c))
- Debt letters set no deadline: the collector must stop on receipt
- Paragraphs assembled: 8
The letter invokes the written stop-contact right in the federal Fair Debt Collection Practices Act, so it sets no reply deadline; the collector must stop once it receives it.