Cease and Desist Letters to Debt Collectors


Can debt collectors constantly call my phone and write me letters?  Well, yes as long as it doesn’t violate the Fair Debt Collection Act.  If you are simply tired of being contacted by debt collectors all together, then send them a Cease and Desist letter.

Warning!  Sending a cease and desist letter to a debt collector could prompt them to file a lawsuit against you.  They assume if they have no other way to communicate with you to resolve the debt, they are forced into suing you for the debt.  This isn’t always the case and sometimes just being left alone is worth it.  

Like the debt validation letter, keep it simple.

Please consider this my written request pursuant to the Fair Debt Collection Practices Act that you cease and desist communication with me, my family, friends, employer or any others, in relation to this and all other alleged debts you claim I owe.

Be sure to send it certified mail return receipt requested to keep proof that the debt collector received the cease and desist request.  Once received, the debt collector may only contact you once more to let you know they received your request and/or what, if any, next action they may take.

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