A Cease and Desist Collections Letter is a typed or handwritten document sent by the debtor to the creditor with the request to stop the telephone communication through their work and home numbers.
A sample Cease and Desist Collections Letter can be downloaded through the link below.
Unfortunately, collection agencies harass their debtors at their home or workplace with demands to repay the debts. The debtor has a right to be contacted only via certified mail - the creditor can only send them letters if the debtor completes the Cease and Desist Collections Letter. You cannot call the creditor back and request them to stop their actions - to become enforceable, the request has to be put in writing. When the letter is received, the creditor must comply with your requirements or face negative legal consequences.
A Cease and Desist Collections Letter is quite easy to prepare. There is no need to hire a professional lawyer or use legalese - this statement is typically short and uncomplicated. Follow these steps to compose your letter:
Once the letter is finished, send it via certified mail to obtain the receipt you will keep in your records - it will serve as proof that shows you have requested the creditor and their representatives not to call you anymore. If you keep receiving calls from the collections agency, you can submit a Federal Trade Commission complaint after which the FTC will impose an appropriate fine on the creditor. Alternatively, you can file a complaint to the Consumer Financial Protection Bureau.
Related Letter Templates: