Someone at my place of employment mentioned about it when I was just narrating about unknown collection demands. He recommended me to send it to collectors. Am not much aware about the whole thing. Can anyone please explain?

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Not to be taken too lightly. You can't always send the collectors a FOAD letter. It's mostly used when the debt is no longer valid or if you're sure that it doesn't belong to you. Even might be used if a collector tries to collect on dues discharged in bankruptcy. Usually used to let them know that they can't fool you and you know your rights.

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FOAD = F*** Off And Die

Now, you know what a FOAD letter means. It's pretty similar to a cease and desist letter to be sent to the collectors, but with a more stern or harsh wording.


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