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(1) to advise the consumer that the debt collector’s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
In the case of civil penalties:
§ 813. Civil liability
(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of—
(1) any actual damage sustained by such person as a result of such failure;
(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; ....
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I would take pictures of your caller ID and keep a recording of each message for prosterity's sake.
JimmyMagno wrote:When you state 'Creditors' do you mean OC, CA or JDB ?I think that OC can call you if they want. I don't believe that there is a restriction in this case.Also, I am not sure that a CEASE is valid for a specific type of communication. Meaning you can tell them to CEASE all contact, but I am not sure you have standing to restrict communication channels other than to your place of employment. Meaning a CA can still contact you at your residence (or cell phone only if cell phone # was given to the OC as a contact when you created the account).I would look for case law in this area to be sure as to 'partial - CEASE'See my other posting about my use of Caller ID Manager to filter calls to a remote FOAD node.