{"id":286891,"date":"2021-01-26T09:13:17","date_gmt":"2021-01-26T14:13:17","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/before-you-file\/sample-cease-communications-letter-to-creditor.html"},"modified":"2024-06-10T16:05:00","modified_gmt":"2024-06-10T21:05:00","slug":"sample-cease-communications-letter-to-creditor","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/before-you-file\/sample-cease-communications-letter-to-creditor.html","title":{"rendered":"Sample Cease Communications Letter To Creditor"},"content":{"rendered":"\n
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Sample Cease Communications Letter To Creditor<\/h1>\n
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\n By Christie Nicholson, J.D.<\/a> | Legally reviewed by Susan Mills Richmond, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Most people have good intentions of paying their bills. Unfortunately, bad things happen to good people. If you are swimming in consumer debt, you’re probably familiar with debt collection agencies and their tactics.<\/p>\r\n

Some debt collectors work hard to help debtors pay their outstanding bills. There are also collection agents who see nothing wrong with calling your phone number 10 times a day. If you’re dealing with harassing debt collection behavior, a cease-and-desist letter may be just what you need.<\/p>\r\n

Here, we’ll explain what a "cease communications" letter is and offer a sample cease-and-desist letter that can serve as a template for your own communications with debt collection agencies.<\/p>\r\n

What Is a Cease-and-Desist Letter?<\/h2>\r\n

A cease-and-desist letter is a formal letter requesting debt collectors to stop contacting you about a debt you owe. It prevents original creditors and debt collection agencies from communicating with you except to notify you that they have your letter and will stop communications.<\/p>\r\n

Debt collection laws such as the Federal Fair Debt Collections Practices Act (FDCPA)<\/a> require debt collectors to stop communicating with you after getting the letter. So, you must confirm the debt collector’s address.<\/p>\r\n

What Information Should You Include in Your Cease-and-Desist Letter?<\/h2>\r\n

To be enforceable, your cease-and-desist letter must include specific information. Otherwise, the creditor or debt collection agency will allege that you never asked them to stop further contact.<\/p>\r\n

Some of the information you must put in your letter includes:<\/p>\r\n