Cease and Desist Letter

A Cease and Desist Letter is a formal demand sent by a debtor to a creditor or debt collector, instructing them to stop all further communication and collection efforts. The letter typically includes a statement that the debtor is exercising their right to request that the creditor or debt collector cease all contact, as provided under the Fair Debt Collection Practices Act. The letter may also include a request for the creditor or debt collector to provide written verification of the debt, and a warning that failure to comply with the cease and desist request may result in legal action. The purpose of a Cease and Desist Letter is to protect the debtor’s privacy and to prevent harassment or abuse by the creditor or debt collector. The letter may be sent by certified mail to ensure proof of delivery.