Cease and Desist Letter Guide
How a cease-and-desist works and a simple template you can discuss with counsel.
A cease-and-desist letter directs a collector to stop contacting you. Under the FDCPA, once a collector receives such a letter, they generally must stop most communications except for specific notices.
Template
Your Name
Your Address
City, State ZIP
Date
Collector Name
Collector Address
Re: Cease and Desist — Account #XXXX
To Whom It May Concern:
I request that you cease all communication with me regarding the alleged debt referenced above. If you believe I owe this debt, please provide written validation as required by law.
Sincerely,
[Your Name]
Send via certified mail and keep copies. This does not eliminate the debt and may lead the collector to consider litigation. Consult an attorney first.