“Dear Creditor:
In accordance with the Fair Debt Collection Act, please do not contact me by phone, mail, e-mail, or otherwise regarding the above alleged debt.
If you do contact me, I will report your violation of the Fair Debt Collection Act to the appropriate state and federal authorities.
Thank you very much.”
________________________________________
The creditor may contact you by mail. It is NOT a violation of the FDCA.
And if you do take this approach, expect mail from the creditor and their attorney.
“See you in court”.
They seldom sue.
Add this line:
“I dispute the validity of the debt, but even if I did not, I have no means of paying it. I have no money or means to obtain money.”
They won’t bother.