Cease and Desist Letter to Collection Agencies or Collection Attorneys Explained.

What this letter basically does is tell them to stop calling you and to stop writing you. They must comply under the FDCPA.

Yes you can get rid of any third party debt collector that is harassing you for payment of your debt. This is not a freebie to not pay your bills. This is for you to get rid of the collector. This letter will work for all States.

*Most sites do not warn you that once you send this you are basically telling them hey go away come and sue me!  You are telling them not to call you or write you so if you are lucky they will go away.. however, they may come right back and sue you.

It is easy for someone to throw this up on a website and say hey you can use this to get collection agencies to stop harassing you. That much is true but be careful if you use the letter. Only you know what situation you are in and if these collectors are totally harassing you by all means use it. It is your right to do so.

Once collectors receive this letter they must stop calling you. They must stop writing you. They must stop all communication with you PERIOD. They cannot even put this on your credit report any longer or they are in violations.

Some collectors who get this will go, crap this person knows their rights we are backing off.

Other collectors will say ok we must comply now let's sue them!

So, be careful using this letter. We are not saying you shouldn't use it but take a look at your letter and make sure this is what you want to do.

Again, you are the only person that knows your situation. If this can help you go for it. Especially if the collector is harassing you and is in another state. We always feel you should consult an attorney for advice before proceeding.

Also read below and add your own words and mix it up a bit. Shorten it up do what you want to do. Our point is for you to make this an original by you. No collection agency wants to see a copy and pasted letter. We are sure they get hundreds of these a day. This is an example. Make it your own.

[Insert Date of Mailing]

[Insert name of collection agent, if available]
[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]

REF: Account # [Insert either the original account number or the collection agency's account reference number here]

Dear [Insert name of debt collector calling--if available--here]:

1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the [Insert your home state here] Attorney General's office. I will pursue all criminal and civil claims against you and your company.

3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.

Give this matter the attention it deserves!

[Sign your name here]

[Insert your name here]