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.
Dear [Debt Collector's Name], RE: Cease Communication and Refusal to Pay Alleged Debt I am writing this letter to formally request that you cease all communications in regard to the alleged debt owed by [Debtor's Full Name]. Furthermore, please understand that [Debtor's Full Name] categorically refuses to acknowledge or accept any liability for the mentioned debt. Initially, it is essential to clarify that [Debtor's Full Name] disputes the legitimacy and accuracy of the debt being claimed by your company. To date, no concrete evidence or documentation has been provided that substantiates the existence or validity of this alleged debt. Therefore, it is impermissible for you or your representatives to continue insisting on payment or harassing [Debtor's Full Name] through constant communication. As per the Fair Debt Collection Practices Act (FD CPA), 15 U.S.C. §§ 1692 et seq., [Debtor's Full Name] has the right to request that all communication from debt collectors cease immediately. This includes any form of communication, be it written letters, phone calls, text messages, or emails. Please respect [Debtor's Full Name]'s legal rights by adhering to this request. Accordingly, I expect your immediate compliance with this cease communication directive in writing. Failure to comply with this lawful request may result in potential legal consequences, including a formal complaint being lodged against your company with the appropriate governing bodies. Furthermore, in the event that you possess verifiable evidence supporting the validity of the alleged debt against [Debtor's Full Name], I kindly request that you provide clear and comprehensive documentation for thorough review. This specific information must include the original creditor's name, the nature of the debt, the outstanding balance, and the relevant dates. Please be advised that until such compelling evidence is provided and verified, [Debtor's Full Name] will not acknowledge, assume responsibility for, or make any payment towards the alleged debt. Additionally, any further collection attempts will be deemed inappropriate and in violation of consumer protection laws. Finally, please notify all relevant employees, agents, and representatives within your organization that [Debtor's Full Name] has opted to exercise their legal rights to cease communication forthwith. Any subsequent communication received by [Debtor's Full Name] beyond the receipt of this letter will be interpreted as a willful violation of the FD CPA. Your immediate attention to this matter is expected. Please acknowledge receipt of this letter in writing within fifteen (15) days from the date of receipt. Yours sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone number] [Email Address]
