SAMPLE CEASE AND DESIST LETTER FOR DEBT COLLECTORS

Not legal advice.

This is purely illustrative and meant to give consumers an example of how to draft their own dispute letter.

Here is an example of a dispute letter a consumer can use to challenge the validity of a debt and to instruct the debt collector to stop collection efforts.

[Date]

[Your Name]

[Your Address, City, State, Zip Code]

[Debt Collector’s Name]

[Their Address, City, State, Zip Code]

Sent Via Certified Mail

Re: Account Number [XXXXXX]

To [Debt Collector]:

Under my legal rights, I am formally requesting that you cease all communications with me regarding this alleged debt or any other debts you claim I owe.

[If the debt is invalid, explain why the debt is invalid.]

[Discuss the impact of the collection attempts on you.]

Please note that once I have confirmed your receipt of this notice, any further communications from your company may be recorded and used as evidence in my claims against you.

Additionally, be advised that any negative information related to this account appearing on my credit reports will be addressed using all legal rights and remedies available to me under current consumer protection laws.

Regards,

Your Signature

[Your name]