Enough is enough. If you are tired of the constant ringing, the aggressive letters, and the stress of dealing with debt collectors, you have a powerful tool at your disposal: The Cease and Desist Letter.
Under the FDCPA, you have the absolute right to tell a third-party debt collector to stop contacting you. Once they receive your written request, they are legally required to silence their phones and stop their letters.
How to Stop the Calls For Good
Why Certified Mail?
You must prove they received it. Sending via Certified Mail with Return Receipt Requested gives you a "Green Card" signed by them. This is your "Golden Ticket" in court if they ever call you again.
Free Cease and Desist Template
Copy and paste this text. Fill in the bracketed information. Do not admit to owing the debt.
What Happens Next?
Once they receive this letter, they can only contact you one more time to tell you one of two things:
- They are stopping collection efforts.
- They intend to take specific legal action (like filing a lawsuit).
If they call you again to ask for money? They just broke the law.