Fair Debt Collection Act: Sample Cease & Desist Letter to Collection Agency
Cut and paste the sample letter below. To preserve any right to lawsuit you may want to send it registered certified mail.
Collection Agency’s Name
Collection Agency’s Address
Subject: Debt Collection Against [Your Name], Creditor Name: [Creditor], Account# [Number]
Dear Account Representative,
I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692c(c), to request to request that you cease all communication to me about my account# [number] with [creditor].
[If you wish, explain your circumstances. For example, “I was recently laid off from my job, and I do not presently have any resources with which to pay off this debt. Once I have again secured employment, I intend to resume payment on the debt.”]
[If there have been any violations of the FDCPA, you may wish to describe them. For example, “Please note that in violation of the Fair Debt Collection Practices Act, one of your agents contacted me lastnight at 9:30 PM. Should your agency contact me at any time in the future, please be sure that your contact is made in full compliance with the FDCPA.”]