[Your Mailing Address]
Certified Mail, Return Receipt Requested # [Insert
the Certified Mail Receipt Number here]
[Insert today's Date]
[Insert name of collection agent, if available]
[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]
REF: Account # [Insert
either the original account number or the collection agency's account
reference number here]
Dear [Insert name of debt
collector calling--if available--here]:
You are hereby notified under provisions of Public
Laws 95-109 and 99-361, also known as the Fair
Debt Collection Practices Act, that your services are
no longer desired.
You and your organization must CEASE & DESIST
all attempts to collect the above debt. Failure to comply with this law
will result in my immediately filing a complaint with the Federal Trade
Commission and the [Insert your home
state here] Attorney General's office. I
will pursue all criminal and civil claims against you and your company.
Let this letter also serve as your warning that I may utilize telephone
recording devices in order to document any telephone conversations that
we may have in the future.
Furthermore, if any negative information is placed on my
credit bureau reports by your agency after receipt of this notice, this
will cause me to file suit against you and your organization, both
personally and corporately, to seek any and all legal remedies available
to me by law.
Since it is my policy neither to recognize nor deal with
collection agencies, I will settle this account with the original
Give this matter the attention it deserves!
And have a nice day.
[Sign your name here]
[Insert your name