How Does a Cease and Desist Letter Work?
Problem: Sam wants to know how a cease and desist letter will protect him from a harassing debt collector. He also wants to know whether sending a cease and desist letter means that he does not have to pay the debt anymore. Solution: Sam, a cease and desist letter helps stop harassing debt collectors who may be continuously calling you or contacting you to pay up a debt. You are protected under the Fair Debt Collection Practices Act (FDCPA) in such a case where you can ask a debt collector to stop contacting you. For this you need to write a cease and desist letter. Once a collection agency receives a ‘cease and desist’ letter, they have to stop contacting you in regards to the debt. However they may contact you to: 1. Inform you that further efforts from their side to contact you is being terminated. 2. Update you about their specified remedies that they, like other creditors may invoke. 3. Notify you (if applicable) that they want to invoke a specified remedy. Once the cease and desi
