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Cease and Desist Letter to Debt Collector Template
Clearly instruct a debt collector to stop harassing communication while preserving all of your rights.
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Cease and Desist Letter to Debt Collector Template
[Your Full Name]
[Street Address]
[City, State/Province, ZIP/Postal Code, Country]
Email: [Your Email Address]
Phone: [Your Phone Number]
[Date]
[Debt Collector 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 [Debt Collector Name / Contact Name],
1. Identification of Parties and Account
I am writing regarding communications from your office 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 phone calls, messages, emails, letters, and any other communications to me concerning the above-referenced account.
2. Reason for This Letter
I have been receiving communications from your office that I consider harassing, excessive, disruptive, or otherwise unwanted, and/or that occur at times or places that are inconvenient for me. These communications include, among others:
[Brief description of calls, including approximate dates, times, and frequency]
[Brief description of text messages, emails, or other messages, with approximate dates and frequency]
[Brief description of any contact at my place of employment 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 any of my phone numbers, including home, mobile, and work;
Text messages, app messages, or instant messages;
Calls, messages, or contact at my place of employment;
Calls, messages, or contact with my relatives, neighbors, or other third parties, except as specifically 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 by telephone, text message, or at my workplace. Any notices or other communications that you are required or permitted to send under applicable law should be sent by mail to the address listed above.
5. Dispute and Request for Information (If Applicable)
If you are claiming that I owe a debt in connection with this account, I request written verification of the debt, including:
The name of the original creditor;
The current balance you claim is owed, with a breakdown of principal, interest, fees, payments, and other charges;
Copies of any written agreements or other documents that you assert create or support my obligation for this debt.
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. Keep a copy of this letter in your records and ensure that all of your employees, agents, and contractors who handle this account are informed 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 otherwise violate applicable law, I may document all such communications and consider additional steps to protect my rights. These steps may include seeking advice from a licensed attorney, filing complaints with appropriate consumer protection or regulatory agencies, and pursuing any other remedies available under the law.
8. Reservation of Rights
Nothing in this letter should be interpreted as:
An admission that I owe any debt or any specific amount;
A waiver of any defenses, rights, or claims that I may have under any contract, statute, or other 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 promptly update your records 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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Learn more about
Cease and Desist Letter to Debt Collector 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 DEBT COLLECTOR TEMPLATE FAQ
What is a cease and desist letter to a debt collector?
A cease and desist letter to a debt collector is a written notice telling a third-party debt collector to stop certain types of communication about a debt. It lets you set clear boundaries around phone calls, texts, emails, workplace contact, or contact with third parties.
Does sending this letter erase the debt?
No. This letter does not cancel or forgive the debt by itself. It mainly affects how and when the debt collector may contact you. The collector may still report to credit bureaus, pursue lawful collection steps, or take other action allowed by law unless you resolve the debt, successfully dispute it, or a court decides otherwise.
When should I use a cease and desist letter to a debt collector?
Use this letter if you are receiving repeated, aggressive, or inconvenient calls; if the collector is calling you at work or contacting friends or family; or if you prefer all communication in writing. It can also be used when you dispute the debt and want the collector to stop calling you except as permitted by law.
What should I include in this type of letter?
You should include your name and address, the name and address of the debt collector, any known account or reference number, a clear demand that they stop phone calls or other unwanted contact, instructions on how they may communicate with you going forward (for example, by mail only), and a statement that you reserve all of your legal rights and defenses.
Can a debt collector still send written notices after receiving this letter?
In many places, debt collectors may still send limited written notices that are required or allowed by law, such as statements about the status of the account or notice of specific intended actions. This letter can stop harassing phone calls and similar contact but may not block all legally required written notices.
Can AI Lawyer help me adapt this Cease and Desist Letter to Debt Collector template?
Yes. AI Lawyer can help you fill in this template with your details, adjust the description of the collector’s conduct, and refine the wording so your cease and desist letter is firm, clear, and professional.
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