Sample Letters: Cease and Desist

These sample letters tell creditors to cease and desist communication to you regarding alleged debt they claim you owe.

Re: Debt Account Number or Reference Number Collection Agency Address

To Whom It May Concern:

This will serve as your legal notice under provisions of the Fair Debt Collection Practices Act (FDCPA) that you are to cease all communication with me in regard to the alleged debt referenced above. If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.

I have decided that we do not desire to work with a collection agency under any circumstances. I will contact the original creditor to resolve this matter directly, as circumstances warrant. You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.

Sincerely,

your name

Here is another Cease and Desist sample letter:

To Whom It May Concern:

Please limit your communication with me in writing only. If I receive any live telephone calls, or repeated dialing and hang-ups from your computer dialing systems, I will consider them to constitute harassment. Please be advised that unwanted telephone calls are a class 1 misdemeanor in this state and I will file a complaint against the caller (individually) and your company with my state’s Attorney General. I maintain a telephone log of each call and calls attempted by your automatic dialers. Notice: This letter serves as written notice that I will make an audio recording of your call.

Please be advised that you have the right to remain silent. If you ignore this notice and contact me by telephone, you and your employees agree to allow me to make the audio recording of our conversation. You, and your employees, agree to allow said information to be used against you in a court of law.

I further demand a copy of your “written policy” for maintaining the “do not call” list, as required by the Telephone Solicitation Act (“TSA”) and the Telephone Consumer Protection Act (TCPA”). Federal Statutes impose a $500 fine against unwanted telephone solicitation. I do not want you to call me. If you call me, you agree to pay, on a for-hire basis, my telephone and equipment and time in answering your call at a rate of no less than $500 per call. I will only accept your written communication.

Be advised that I am not requesting a “verification” that you have my mailing address; I am request a “validation” (competent evidence that I have some contractual obligation to pay you).

The Federal Communication Commission can issue citations and fines against companies and individuals found in violation the FCC rules or TCPA guidelines.

Please govern yourself accordingly.

Sincerely,

your name

your signature

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