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Cease and Desist Letter to Collection Agency Template
Clearly instruct a collection agency to stop harassing contact while preserving all of your legal rights.
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Cease and Desist Letter to Collection Agency Template
[Your Full Name]
[Street Address]
[City, State/Province, ZIP/Postal Code, Country]
Email: [Your Email Address]
Phone: [Your Phone Number]
[Date]
[Collection Agency Name]
[Department or Contact Name, if known]
[Street Address]
[City, State/Province, ZIP/Postal Code, Country]
Re: Cease and Desist – Communications Regarding Account [Account Number / Reference]
Dear [Collection Agency Name / Contact Name],
1. Identification of Parties and Account
I am writing regarding communications from your agency about the following account:
Name on Account: [Your Full Name]
Account Number / Reference: [Account Number or Reference]
Original Creditor (if different): [Original Creditor Name]
This letter concerns your telephone calls, messages, emails, letters, and any other communications to me about the above-referenced account.
2. Reason for This Letter
I have been receiving communications from your agency that I consider [harassing / excessive / disruptive / unwanted] and/or that occur at times or places that are inconvenient for me. These communications include, but are not limited to:
[Description of calls, including approximate dates, times, and frequency]
[Description of texts, emails, or messages, including approximate dates and frequency]
[Description of contact at work or with third parties, if applicable]
3. Cease and Desist Demand
Effective immediately, I request and direct that you cease and desist from contacting me about this account by:
Telephone calls to my home, mobile, or work numbers;
Text messages, app messages, or instant messages;
Calls or messages to my employer or coworkers;
Calls or messages to my relatives, neighbors, or other third parties, except as strictly permitted by law;
Any other form of contact that is inconsistent with the instructions in this letter.
4. Permitted Communications Going Forward
From this point forward, if you need to contact me regarding this account, you may do so only in writing at the following mailing address:
[Your Full Name]
[Mailing Address for Written Notices]
I request that you do not contact me at any phone number, by text message, or at my place of employment. All necessary communications, including any legally required notices, should be sent by mail to the address above.
5. Optional Dispute and Request for Information
[Use any of the statements below that apply to your situation; delete those that do not.]
☐ I dispute the validity of this debt, in whole or in part, and request written verification of the debt, including the name of the original creditor and a breakdown of the amount claimed to be owed.
☐ I do not recognize this account and request written documentation showing that I am legally responsible for this debt, including copies of any agreements or other documents bearing my name or signature.
☐ I acknowledge that there may be an account in my name but request written verification and a detailed statement of the balance, including principal, interest, fees, payments, and any other charges.
6. Record of This Notice
Please treat this letter as my formal written notice that you must stop contacting me in the ways described above. Retain a copy of this letter in your records and ensure that all of your employees, agents, and contractors who handle this account are made aware of and comply with these instructions.
7. Consequences of Non-Compliance
If you continue to contact me in ways that are inconsistent with this letter or that are otherwise unlawful, I may document all such communications and consider taking further steps to protect my rights. These steps may include seeking advice from a licensed attorney, filing a complaint with appropriate consumer protection agencies, or pursuing other remedies available under applicable law.
8. Reservation of Rights
Nothing in this letter should be interpreted as:
An admission that I owe any amount of money;
A waiver of any defenses, rights, or claims that I may have under any contract or applicable law; or
Permission for you to take any action that is otherwise prohibited.
All of my rights and remedies, legal and equitable, are expressly reserved.
9. Closing
I expect that you will update your records promptly to reflect my communication preferences and ensure that no further contact is made except as allowed in this letter and by applicable law.
Thank you for your attention to this matter.
Sincerely,
[Your Full Name]
[Signature, if printed]
[Date]
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Cease and Desist Letter to Collection Agency Template
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For quick answers, scroll below to see the FAQ.
Click below for detailed info on the template.
For quick answers, scroll below to see the FAQ.
CEASE AND DESIST LETTER TO COLLECTION AGENCY TEMPLATE FAQ
What is a cease and desist letter to a collection agency?
A cease and desist letter to a collection agency is a written notice telling a third-party debt collector to stop certain types of contact about a debt. It lets you set boundaries around phone calls, texts, emails, or workplace contact and creates a written record that you told them to stop.
When should I send a cease and desist letter to a collection agency?
You might send this letter if a collection agency is calling too often, contacting you at inconvenient times, calling you at work, contacting friends or family, or if you simply prefer that all communication be in writing. It can also be used when you dispute the debt and want the collector to stop contacting you except as allowed by law.
Does a cease and desist letter to a collection agency cancel the debt?
No. This letter does not erase or forgive a debt by itself. It only limits how and when the collection agency may contact you about it. The collector may still report to credit bureaus, pursue lawful collection steps, or take other actions allowed by law, unless a separate agreement is reached or a court or regulator orders otherwise.
What should I include in this type of cease and desist letter?
You should clearly identify yourself, the collection agency, and the account; describe the type of contact you want stopped; instruct them to cease and desist from certain communications; explain how they may contact you going forward (for example, only by mail); and state that you reserve all of your legal rights.
Can I still receive written notices from the collection agency after sending this letter?
In many places, collection agencies may still send limited written notices required by law, such as statements about the account or notice of specific actions they intend to take. Your letter can direct them to stop phone calls and harassment and to use written communication only, but it usually cannot prevent every legally required notice.
Can AI Lawyer help me customize this Cease and Desist Letter to Collection Agency?
Yes. AI Lawyer can help you adapt this Cease and Desist Letter to Collection Agency template with your account details, the type of contact you want stopped, and your preferred mailing address so your letter is clear, firm, and professional.
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