{"version":"1.2","status":"General information, not legal advice.","not_legal_advice":"Not legal advice. MCAFax is not a law firm. You send any letter yourself.","by_category":{"broker":"dnc-stop-request","lead_gen":"dnc-stop-request","direct_lender":"dnc-stop-request","vendor":"dnc-stop-request","other":"dnc-stop-request","debt_collector":"fdcpa-cease-communication"},"optional_by_category":{"debt_collector":"fdcpa-validation-request"},"follow_up":"follow-up-after-request","regulation_f_note":"Information only: Regulation F (12 CFR 1006.14(b)) presumes a debt collector is harassing a consumer if it calls more than 7 times in 7 days about a debt, or within 7 days after a phone conversation about it. The FDCPA covers third-party collectors and may not cover an original creditor or an MCA funder collecting its own debt. Whether it applies depends on the facts; talk to a lawyer.","templates":{"dnc-stop-request":{"key":"dnc-stop-request","status":"General information, not legal advice.","use_for":["broker","lead_gen","direct_lender","vendor","other"],"optional_for":[],"text":"General information, not legal advice.\nNot legal advice. This template is not a substitute for the advice of an attorney.\nUse for caller_category: broker, lead_gen, direct_lender, vendor, other.\n\n[DATE]\n\nTo: [SHOP BUSINESS NAME]\n[RECIPIENT EMAIL OR ADDRESS]\n\nRe: Request to stop contacting me and to add me to your do-not-call list\n\nI am writing to ask [SHOP BUSINESS NAME] and anyone calling on its behalf to\nstop contacting me.\n\nMy records show the following contacts:\n[DATE] [TIME] from [NUMBER OR EMAIL] - [SHORT FACTUAL NOTE]\n[REPEAT AS NEEDED]\n\nPlease:\n1. Add these numbers and addresses to your internal do-not-call list:\n   [MY PHONE NUMBER(S)] [MY EMAIL ADDRESS(ES)]\n2. Stop all calls, texts, and emails to me, including prerecorded or\n   automated calls and texts. I revoke any consent I may have given.\n3. Confirm in writing that you have done this.\n\nUnder the Telephone Consumer Protection Act's company-specific do-not-call\nrules (47 U.S.C. 227(c); 47 CFR 64.1200(d)), a do-not-call request must be\nrecorded and honored within a reasonable time, not to exceed ten business\ndays (47 CFR 64.1200(d)(3)). Please also send me a copy of your written\ndo-not-call policy (47 CFR 64.1200(d)(1)).\n\n[MY NAME]\n[MY BUSINESS NAME]\n","txt_url":"https://mcafax.com/v1/templates/dnc-stop-request?format=txt"},"fdcpa-cease-communication":{"key":"fdcpa-cease-communication","status":"General information, not legal advice.","use_for":["debt_collector"],"optional_for":[],"text":"General information, not legal advice.\nNot legal advice. This template is not a substitute for the advice of an attorney.\nUse for caller_category: debt_collector. Send IN WRITING (mail with\ntracking or certified mail is best; keep a copy). The FDCPA covers\nthird-party debt collectors; it may not cover an original creditor or an\nMCA funder collecting its own debt, or a debt that is not a consumer debt.\n\n[DATE]\n\nTo: [COLLECTOR BUSINESS NAME]\n[COLLECTOR MAILING ADDRESS]\n\nRe: Request to cease communication - 15 U.S.C. 1692c(c)\nAccount / reference number (if known): [ACCOUNT OR REFERENCE NUMBER]\n\nUnder section 805(c) of the Fair Debt Collection Practices Act,\n15 U.S.C. 1692c(c), I ask that you and anyone acting on your behalf\ncease all further communication with me about the account above,\nincluding calls, texts, emails, voicemails and letters.\n\nMy records show the following contacts:\n[DATE] [TIME] from [NUMBER OR EMAIL] - [SHORT FACTUAL NOTE]\n[REPEAT AS NEEDED]\n\nThis letter is not a dispute of the debt and is not an admission that I\nowe it or that any amount claimed is correct. I reserve all rights.\n\nAfter you receive this letter, you may contact me only as the law allows\n(for example, to tell me that collection efforts are ending or that you\nor the creditor may take a specific action).\n\n[MY NAME]\n[MY BUSINESS NAME, IF ANY]\n[MY MAILING ADDRESS]\n","txt_url":"https://mcafax.com/v1/templates/fdcpa-cease-communication?format=txt"},"fdcpa-validation-request":{"key":"fdcpa-validation-request","status":"General information, not legal advice.","use_for":[],"optional_for":["debt_collector"],"text":"General information, not legal advice.\nNot legal advice. This template is not a substitute for the advice of an attorney.\nOPTIONAL. Use for caller_category: debt_collector, only if the owner wants\nthe debt verified. Send in writing; a request sent within 30 days of the\ncollector's first notice requires the collector to pause collection until\nit mails verification (15 U.S.C. 1692g(b)). Can be sent with or before the\ncease-communication letter; the owner should ask a lawyer about order.\n\n[DATE]\n\nTo: [COLLECTOR BUSINESS NAME]\n[COLLECTOR MAILING ADDRESS]\n\nRe: Request for validation of debt - 15 U.S.C. 1692g\nAccount / reference number (if known): [ACCOUNT OR REFERENCE NUMBER]\n\nUnder 15 U.S.C. 1692g, I request validation of the debt you say I owe.\nPlease send me in writing:\n1. The name of the original creditor and of the current creditor.\n2. The amount claimed, with an itemization of interest, fees and other\n   charges since the itemization date.\n3. Documents showing that I owe this debt and that you are authorized\n   to collect it.\n\nThis letter is not an admission that I owe the debt.\n\n[MY NAME]\n[MY MAILING ADDRESS]\n","txt_url":"https://mcafax.com/v1/templates/fdcpa-validation-request?format=txt"},"follow-up-after-request":{"key":"follow-up-after-request","status":"General information, not legal advice.","use_for":["broker","debt_collector","lead_gen","direct_lender","vendor","other"],"optional_for":[],"text":"General information, not legal advice.\nNot legal advice. This template is not a substitute for the advice of an attorney.\n\n[DATE]\n\nTo: [SHOP BUSINESS NAME]\n[RECIPIENT EMAIL OR ADDRESS]\n\nRe: Contacts after my stop request of [STOP REQUEST DATE]\n\nOn [STOP REQUEST DATE] I asked [SHOP BUSINESS NAME] to stop contacting me and\nto add me to its internal do-not-call list ([HOW: email/verbal/text]).\n\nMy records show these contacts after that request:\n[DATE] [TIME] from [NUMBER OR EMAIL] - [SHORT FACTUAL NOTE]\n[REPEAT AS NEEDED]\n\nI repeat my request: stop all calls, texts, and emails to\n[MY PHONE NUMBER(S)] [MY EMAIL ADDRESS(ES)], and confirm in writing.\n\n[MY NAME]\n[MY BUSINESS NAME]\n","txt_url":"https://mcafax.com/v1/templates/follow-up-after-request?format=txt"}}}