Debt Collector Cease & Desist Letter
Answer a few questions and we'll create your personalized letter.
Your Situation
Tell us about the debt collection issue so we can tailor your letter.
This determines which state consumer protection law applies in addition to the federal FDCPA.
Under the FDCPA, a debt collector must stop contacting you once you send a written cease request. They may only contact you to confirm they will stop, or to notify you of a specific action (such as filing a lawsuit).
The FDCPA applies only to third-party collectors. However, states like California (Rosenthal Act), Colorado, Florida, North Carolina, Texas, and Wisconsin extend protections to original creditors.
Different debt types have different statutes of limitations in your state.
If the debt is time-barred, any threat to sue is itself an FDCPA violation.
If you dispute the debt or are unsure, your letter will include a debt validation request under 15 U.S.C. § 1692g.
IMPORTANT: If you have been served with a lawsuit, you must respond to the court within the deadline or you may receive a default judgment. A cease and desist letter does NOT respond to a lawsuit. Consult an attorney immediately.