Cartas de cese y desistimiento a cobradores

Cease and Desist Letters

Under the FDCPA, you have the right to demand that debt collectors stop contacting you.

When to Use

Harassment from repeated calls

Collectors contacting you at work

You've already validated (or declined to pay) the debt

The statute of limitations has expired

Template

[Date]
[Collection Agency]
[Address]
Re: Account #[Number]
Dear Sir/Madam,
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(c), I am requesting that you cease all communication with me regarding the above-referenced account.
This letter is not an acknowledgment of the debt. Please direct all future communication in writing to the above address only.
Sincerely,
[Your Name]

What Happens After

Collector can only contact you to confirm they'll stop or to notify you of legal action

Does NOT erase the debt

Does NOT remove it from your credit report

Best used alongside other dispute strategies

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