If and when you decide to send a cease and desist letter is up to you. If you’re being repeatedly contacted about a debt and don’t wish to speak to or negotiate with the debt collect… See more

The federal Fair Debt Collection Practices Act (FDCPA) is a law that addresses unfair debt collection practices. Under the FDCPA, creditor harassment is illegal. If a debt collect… See more

Use the following template to request that a debt collector stop all communication. Date [your name] [your address] [city, state, zip code] [debt collector's name] [debt collector's … See more

If you’ve mistakenly received a debt collector letter that was intended for someone else, you can use this template to inform the debt collector and cease further contact. Da… See more