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California Debt Blog: Sample Cease and Desist Letter

June 7, 2007 by Jonathan Stein

Since I get so many requests for it, I am going to give you a sample letter that you can send to a debt collector that tells them to leave you alone:

VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

ABC Debt Collection
1234 Main St
Anytown, USA 12345

Re: Account #:

Dear ABC Debt Collection:

This is my notice to under the Fair Debt Collection Practices Act to stop communicating with me in regards to the alleged debt stated above.

If I receive any communication from you, by phone or mail, I will file a complaint with the Federal Trade Commission, my state Attorney General, the American Collectors Association and the State Bar.

I do not want to deal with you. I will contact the original creditor to resolve this matter, if that is warranted.

If, as a result of this letter, you place a negative mark on my credit, I will take any and all legal action available to me.

Sincerely,

Mr. (or Mrs.) Consumer

Simple enough. Just send that letter and the debt collector must stop talking to you. If they do, you have damages under the FDCPA. By the way, in California, you can add “and the Rosenthal Act” to the first sentence.

Categories: Current Affairs, FDCPA, Legal Process, Rosenthal FDCPA

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