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Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
Cease and Desist Letter (English)
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Cease and Desist Letter (English)

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This presentation discusses your Fair Debt Collection Act rights when dealing with creditors, and demonstrates how to create a letter demanding that creditors cease and desist from contacting you.

This presentation discusses your Fair Debt Collection Act rights when dealing with creditors, and demonstrates how to create a letter demanding that creditors cease and desist from contacting you.

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Transcript

  • 1.
  • 2. In this presentation, you will learn how to use a “cease and desist letter” to prevent creditors from harassing you.
  • 3. In this presentation, you will learn how to use a “cease and desist letter” to prevent creditors from harassing you.
  • 4. What are my rights to stop a debt collector from contacting me?
    Debt collectors must stop routine collection efforts upon receiving either:
     A written request from you to stop contact (a “cease and desist letter”); or
    A written refusal from you to pay the debt.
  • 5. What’s the catch?
    The debt collector can still file a collection lawsuit against you or take any other appropriate legal action to collect the debt.
  • 6. What is a “cease and desist” letter?
    A letter that is sent to the debt collector demanding that they permanently stop
    (“cease”) and not contact you in the future ("desist") about the debt.
  • 7. I already sent a cease and desist letter.Can they still contact me?
    If you sent a “cease and desist” letter, a debt collector may only contact you to:
    Advise you that collection efforts are being terminated; or  
    Advise you of the debt collector’s intent to invoke specific remedies.
    The debt collector may not request payment during this time!
  • 8. Important note
    If you have multiple debts with the same creditor, you must send a “cease and desist” letter for each debt separately. One letter will not do.
  • 9. Change to your personal info
    Change to your creditor’s info
    Get from post office
    Get from account statement
    Date of letter
    Insert name of person you’ve been dealing with, if desired
    Make any necessary changes
    Remove brackets and insert your name here
  • 10. For more information, talk to a law librarian.

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