Once a debt collector receives written notice from a consumer that the consumer refuses to pay the debt or wants the collector to stop further collection efforts, the debt collector must cease communications with the consumer except:
To advise the consumer that they are terminating their debt collecting efforts;
To notify the consumer that the debt collector or creditor may invoke specified remedies which they ordinarily invoke; and
To notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Content: Subject: Cease and Desist Communication Request Regarding Alleged Debt — Hennepin County, Minnesota [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency] [Address] [City, State, Zip Code] Dear [Debt Collection Agency], Re: Cease and Desist Communication Request Regarding Alleged Debt I am writing to officially request that you immediately cease any further communication regarding the alleged debt referenced in your recent communications with me. This letter serves as an official notice of my refusal to pay the alleged debt and a directive to cease all communications with me, in accordance with the provisions outlined under the Fair Debt Collection Practices Act (FD CPA). According to my records and understanding, the alleged debt in question has not been validated nor proven to be legitimate. Due to this lack of proof, I firmly maintain my position that I am not obligated to pay the alleged debt. In light of the aforementioned facts and my rights as a debtor, it is imperative that you acknowledge my request for your agency to cease all forms of communication with me, including phone calls, letters, emails, and any other means of contact. I expect full compliance with this request effective immediately. Please be aware that any attempt to continue communicating with me in regard to the alleged debt, beyond this notification, will be seen as a willful violation of the FD CPA regulations. This could result in legal action being taken against your agency, including reporting violations to the appropriate regulatory authorities. Furthermore, I expect you to promptly provide me with written confirmation, within 30 days of receiving this letter, that my request has been honored and that your agency will cease all communication attempts related to the alleged debt. Failure to comply with this reasonable request will be considered a willful disregard of my rights and will result in immediate legal action. Should your agency have any further inquiries or wish to provide any documentation regarding the alleged debt, it is advised that you communicate through written correspondence only. I reserve my rights to request validation of the alleged debt and challenge its legitimacy, as permitted under the FD CPA. Thank you for your prompt attention to this matter, and I anticipate your swift compliance. This letter is not an admission of any liability, and it is without prejudice to my rights or remedies, which are fully reserved. Sincerely, [Your Name] [Your Signature] --------------------------------------------------------------------------------------------------------------- Variations or Alternative Types of Hennepin Minnesota Letter Informing Debt Collector to Cease Communications with Debtor and that Debtor Refuses to Pay Alleged Debt: — Hennepin County Letter of Dispute to Cease Debt Collections Activities: This letter can be used when disputing the debt's validity and requesting the debt collector to cease all collection activities. — Hennepin County Cease and Desist Letter for Harassment from Debt Collector: Use this letter when the debtor believes that the debt collector's communications have become harassing or abusive, requesting them to cease such behavior. — Hennepin County Request for Debt Validation and Cease Communications: This variation combines a request for debt validation with a request to cease communications until proper validation is provided by the debt collector. — Hennepin County Notifying Debt Collector of Bankruptcy Filing: This letter is relevant if the debtor has filed for bankruptcy and wants to inform the debt collector of their current status, requesting an immediate cease in all communication attempts. — Hennepin County Letter Asserting Statute of Limitations on Alleged Debt: Use this letter when the debtor believes that the alleged debt is past the statute of limitations, requesting the debt collector to cease all collection efforts based on an expired debt.
