Debt - How to Write a Cease and Desist Letter Video
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Video:Write Cease and Desist Letter

with Stephanie Gallagher

Learn how to write a cease and desist letter to stop debt collectors from calling and harassing you. Use these tips to form the body of the cease and desist letters and the legal rights it provides you.See Transcript

Transcript:Write Cease and Desist Letter

If debt collectors are hassling you with phone calls, there's a simple method for stopping the harassment. It's called a cease and desist letter. I'm Stephanie Gallagher for Money, and today I'll show you a basic template for how to write a cease and desist letter to a creditor.

Cease and Desist Letters are Formally Written

Since this is a formal business letter, make sure you include your full name and address on the letter. It's also important to include a date on the letter. You'll need a record of that. In the address field, put the name of the collection agency with the agency's full address. Underneath the address, include the account number or file number associated with this debt in the letter, like this: Re: Account Number.

The Body of the Cease and Desist Letter Should Read as Follows:

To Whom It May Concern: Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General’s office. Civil and criminal claims will be pursued. Sincerely,Your Name

Cease and Desist Letters May Have One Final Response

Once the debt collector receives this letter, the Fair Debt Collection Practices Act allows the debt collector to contact you one final time in order to tell you what action, if any, the agency will take next. You'll want to send the letter via certified mail with return receipt requested, and be sure to keep the return receipt. That is your proof that the letter was mailed. Of course, you'll also want to keep a copy of the letter as well for your files.

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