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    Sample Cease & Desist Letter


    This time-tested letter format is designed to help you accomplish one thing: Immediately fire any third-party debt collector that's harassing you for payment of a debt. 

    The letter (originally written in the early 1990s) is still very effective.  And because it's based on and utilizes federal law, this letter works in all fifty states.

    WARNING: Do not go off half-cocked.  Do your homework and know what your rights are before you start sending these letters out.  Save your dough and check out the Federal Trade Commission's section devoted to the Fair Debt Collection Practices Act for the official, "lawyered-up" spin on this powerful law.

    If you can't figure out what the hell it is you just read, you can get it deciphered (Dover-style) by ordering a copy of Ben's best-seller Back Off! on-line.  

    By the way: If you're serious about sending this letter, you'd better make damned sure you send it via Certified Mail/Return Receipt Requested.  Any other method just doesn't cut it.



    [Your Name]
    [Your Mailing Address]
    [Your City/State/Zip]
    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 creditor. 
    Give this matter the attention it deserves!
    And have a nice day.
    [Sign your name here]
    [Insert your name here]


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