Cease and Desist letter - A legal letter to the creditors             Click here to Print

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#Guest - Says,

Isn't that the truth? I wonder why they quit for a while. Usually I find that when they do this my account has been sold for the umpteenth time and its a whole new collector to deal with.
#fireyone - Says,

Isn't that the truth? I wonder why they quit for a while. Usually I find that when they do this my account has been sold for the umpteenth time and its a whole new collector to deal with.
#CMBV22 - Says,

I would also be nervous about any abrupt stops in calls w/o a FOAD letter. Although I can never figure out why ppl don't send one to every CA who calls.....
#fireyone - Says,

What is a FOAD letter. Not really good with abbrev..yet. I always thought contacting them with any type of letter would make them contact you even more. Any time I have tried to get rid of them they usually sold the account and it started all over again. At least if I ignore them I get that little break here and there.
#goodnatured - Says,

Me either what is FOAD?
#fireyone - Says,

I was hoping for an answer here. It really has my mind boggled.
#goodnatured - Says,

I am sure that some one will be along and answer soon
#CMBV22 - Says,

LOL FOAD is short for F*@$ Off And Die,it is bascially a CND letter. Also, if anyone you send a FOAD, CND letter to continues to contact you, it is grounds for a harrassment suit.

Now, keep in mind that if they have a legit reason to contact you and you send them the FOAD letter, While they cannot contact you anymore they can still report to CRAs and possibly start a lawsuit.

This is why you will want to limit your FOAD letters to CAs past the SOL or who have been unable to validate debt

#fireyone - Says,

I like that. I had to laugh myself. Boy you are really teaching goodnatured and I some things. Thanks
#CMBV22 - Says,

LOL sure, anytime Smile
#fireyone - Says,

Hey good natured did ya read this one?
#carol - Says,

You can find a FOAD letter in this forum itself. I searched and found one. Here is the link http://www.creditmagic.org/repair/7years-old-collector.html .
FOAD letters can be used when a debt has crossed its SOL period and is no longer collectible but the CA still harass you for the debt. This letter is generally send to the CA to warn him that he is violating the FDCA act and you are likely to file a lawsuit against him if he continues disturbing you.

#erb1953 - Says,

Oh my god, I never would have thought that, LMAO, I wonder if the collectors read it like that, ha, ha.
#fireyone - Says,

That is a really good example of of FOAD letter. Have to keep that one in mind.
#goodnatured - Says,

You are going to be able to find any letter you need here soon, building up quite a library.
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