«If a consumer notifies a
debt collector in writing that the consumer refuses to pay a
debt or that the consumer wishes the
debt collector to cease further communication with the consumer, the
debt collector shall not communicate further with the consumer with respect to such
debt, except — to advise the consumer that the
debt collector's further
efforts are being terminated; 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 where applicable, to notify the consumer that the
debt collector or creditor intends to invoke a specified remedy.»
Here in Florida, more and more deficiency judgment collection
efforts are being pursued
by lenders and
debt collectors, even though the associated foreclosure or short sale happened several years back.