Debt Collector Cease and Desist Letter

The following is a sample text you can use; simply copy/paste it into your word processor document. This request can be at made any time, but it must be made in writing. It is always recommended that you send the request by certified mail (PS Form 3811) and keep a copy. This copy will be proof of your request should you need to sue the creditor. Once the collector receives your letter, they can only contact you to inform you of any action it intends to take or to tell you that it is terminating its efforts to collect the debt.


This letter is enough to stop further contact or dunning letters.


Make sure you save the return receipt form because you may use this as evidence that you sent the letter and that the debt collector received it.




Certified Mail/Confirmation of Delivery/Validation Notice # (Enter Number)


From:
(Your Full Name)
(Street Address),
(City, State & Zip)




To:
(Name of Debt Collector)
(Street Address)
(City, State & Zip)




Date:


Re: (Account Number)


Notice to Cease Communications


Dear Sirs:


This is to advise you that pursuant to the Fair Debt Collection Practices Act (FDCPA) 15 USC §1692c(c), you are hereby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of an alleged debt you attempting to collect. This notice shall include, but is not limited to written correspondence, as well as telephone communication.


You are harassing me by calling numerous times.


You are harassing me calling numerous times and leaving messages.


I do expressly request that you cease any communication to me pursuant to the FDCPA §1692c.


Be advised that since I reside at the above address, you are warned that any contact with a neighbor or other person will not be "locator" information and will be considered grounds for legal action against you.


Please also be advised that you may not contact me at my place of employment because my employer prohibits me from receiving such communications.


I simply wish you to cease all communication (mail, phone calls or other) with me or any member of my household. This includes my place of employment. I do not admit or deny liability on the debt. I just want you to stop contacting me.


I intend to keep a log of any contacts you make with me after you receive this letter. I am aware that further communications by you will make you liable for $1,000.00 per communication, plus actual damages and attorney fees.


You may contact me by mail to tell me that you are ceasing communications.


Sincerely:


________________________________
(your signature)


Certified Mail/Confirmation of Delivery/Validation Notice # (Enter Number)