Debt Collector (Creditor) Cease and Desist Letter

Create Document

A debt collector cease and desist letter is sent to a debt collector to demand that they stop all contact concerning the repayment of a debt. Its purpose is to put an end to unwanted phone calls, mail, and other forms of communication from collection agencies. With limited exceptions, debt collectors are required to cease contact once the letter is received.

Debt Collector (Creditor) Cease and Desist Letter

A debt collector cease and desist letter is sent to a debt collector to demand that they stop all contact concerning the repayment of a debt. Its purpose is to put an end to unwanted phone calls, mail, and other forms of communication from collection agencies. With limited exceptions, debt collectors are required to cease contact once the letter is received.

Create Document
PDF
Word (.docx)
OpenDocument
PDF
Word (.docx)
OpenDocument

Last updated January 22nd, 2025

Document Preview

A debt collector cease and desist letter is sent to a debt collector to demand that they stop all contact concerning the repayment of a debt. Its purpose is to put an end to unwanted phone calls, mail, and other forms of communication from collection agencies. With limited exceptions, debt collectors are required to cease contact once the letter is received.

Downloads: 4
  1. Home »
  2. Cease and Desist Letter Template (9) »
  3. Debt Collector (Creditor)

When Contact is Allowed

Debt collection activities are regulated by the Federal Debt Collection Practices Act (FDCPA). According to the FDCPA, once a debt collector receives a written request to cease communication, they may no longer contact the debtor except to[1]:

  • Confirm that communication will stop.
  • Inform the debtor of legal actions they might take.

Limitations

The FDCPA only covers consumer debt, such as mortgages, student loans, and credit card debt.[2] As a result, a cease and desist letter does not prevent collection attempts on business debt.

Additionally, the FDCPA generally applies to debt collectors only, meaning the original creditor may still have the right to contact the debtor after receiving a cease and desist letter.[3] The term “debt collector” refers to a third party acting on the creditor’s behalf, such as a:

  • Collection agency
  • Lawyer
  • Debt buyer

Sample

Download: PDF, Word (.docx), OpenDocument

NOTICE TO CEASE AND DESIST

[SENDER’S NAME]
[SENDER’S STREET]
[SENDER’S CITY, STATE, & ZIP]

Date: [MM/DD/YYYY]

Re: Ceasing Communication Regarding Debt
Account Number: [DEBT ACCOUNT NUMBER (IF KNOWN)]

Dear [DEBT COLLECTOR’S NAME],

I am responding to your recent contact concerning a debt you are attempting to collect. You identified the debt as: [DEBT DESCRIPTION].

Pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692c), you are hereby notified to immediately cease communications concerning the collection of the above-referenced debt. This notice shall include, but is not limited to, written correspondence and telephonic communication.

In response to this letter, you may only contact me to inform me that you:

a) Are terminating further collection efforts;
b) Are invoking specified remedies which are ordinarily invoked by you or your company; or
c) Intend to invoke a specified remedy.

Any other future contact by you or your company violates the Fair Debt Collection Practices Act.

If you do not cease communication, I am prepared to pursue all available legal actions.

Sincerely,

________________________
[PRINTED NAME]

Sources

  1. 15 U.S. Code § 1692c(c)
  2. 15 U.S. Code § 1692a(5)
  3. 15 U.S. Code § 1692a(6)