Collection Policies and Procedures: Debtor's Demands to Stop Collection Activity

A. Cease Communication Request

If a Debtor requests, orally or in writing, that LGW cease communicating with the debtor regarding the account, no further written communication or telephone contact concerning the account shall occur, except for legally required correspondence and notices (e.g. notice of hearings), unless specifically authorized by the Managing Attorney. Appropriate action must be taken to suppress telephone calls and the issuance of letters and other written communication.

B. Request to Stop Calling

If a Debtor requests in writing that a collection associate stop calling, LGW shall not call that Debtor again. If the Debtor verbally requests an associate stop calling, the Managing Attorney may authorize a call only after a reasonable cooling-off period (at least 10 business days) provided the Debtor has not made such request in writing. If the Debtor hangs up on an associate, calling activity should cease for three (3) business days. If the follow-up call results in a second hang up, it should be regarded as a request to not call, and the account should be referred to the Managing Attorney. If the Managing Attorney believes the request to stop calling is the result of a personality conflict, and that a call from an LGW attorney might result in the re-establishment of a satisfactory relationship, a subsequent call may be made by an LGW attorney for the purpose of attempting to re-establish a satisfactory relationship and telephone contact.

C. Request to Stop Written Communication

If a Debtor requests that he/she receive no further written communication concerning collection of the account, no further mail shall be sent, except for legally required correspondence and notices (e.g. notice of hearings), unless specifically authorized by the Managing Attorney. Unless such a request to stop specifically includes telephone calls as well as mail, the Debtor may still be called by telephone. Appropriate action must be taken to suppress the issuance of letters and other written communication.

D. Exceptions

The only exceptions to the cessation of collection activity on the demand of the Debtor are the sending of notices required by law (such as notice of hearings), and the final letter advising the Debtor that legal action will be commenced or other appropriate remedies available will be taken. Such contact with the debtor may be initiated only by one of LGW's attorneys after due consideration is given to all requirements of state and federal law.