What is a cease and desist letter?

A cease and desist letter is a way to formally request that a debt collector stop contacting you when it comes to collecting on a debt. The Fair Debt Collection Practices Act (FDCPA) stipulates that if you formally request that you no longer wish to be contacted by a collector, they must honor that request and stop calling.

This does not mean that the debt collector’s attempts to collect will stop entirely. In fact, doing this basically means that suing you in civil court will be the only avenue left for debt collection. They can take you to court to collect what you owe, assuming that the debt was actually yours to pay back.

How writing a cease and desist letter works

  1. To fill in the cease and desist sample below correctly, you will need:
    1. Debt collector’s business name and physical address
    2. The account numbers related to the collection attempt
  2. Use the cease template letter below, adding information as needed for your specific case; make sure the letter is concise and clear.
  3. Send your letter certified mail, return receipt requested. This allows you to confirm that the letter was received and on what date.

Cease and desist letter templates

Cease all contact template

Date

[your name]
[address]

[debt collector]
[debt collector’s address]

Re: [wrong person’s name and related account number(s) for the debt(s)]

Dear [debt collector]

Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning any and all alleged debts you contend I owe.

My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner as well.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the [your state] Attorney General’s office and civil claims may be pursued.

Thank you for your cooperation in this matter.

Sincerely,

[your name]

Cease and desist letter template for wrong number

Date

[your name]
[address]

[debt collector]
[debt collector’s address]

Re: [your name and debt collector’s account number(s) for your debt(s)]

Dear [debt collector]

Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all calls to [your phone number] in relation to the account of [wrong person’s full name].  This is the wrong number to contact that person.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the [your state] Attorney General’s office and civil claims may be pursued.

Thank you for your cooperation in this matter.

Sincerely,

[your name]