Sample Cease and Desist Letter — Stop Debt Collector Harassment

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Use this sample cease and desist letter if you are being harassed by a collection agency and you want them to stop contacting you.

Owing debt to a collection agency is bad enough — but to then be harassed by them day after day can get downright tiring. As per the Fair Debt Collection Practices Act, if you demand that a collection agency stop contacting you, they must stop. If they continue to harass you after you have sent them this letter, you have legal recourse against them. Check out our article on suing your creditors.

Please do not just copy this letter for your use. You will need to edit this letter to fit your particular situation. Always keep of copy of your letter for your records and make sure to send this certified mail. That way you have proof the collection agency received your letter.

This template letter is part of the sample letters we have created to help you handle a variety of credit situations.



Collection Agency
Collection Agency Address

RE: Account #xxxxx-xxxxxx

Dear Collection Agency,

Under the Fair Debt Collection Practices Act Section 805 (C), it is my right to request that you cease contact with me immediately. With this notice, under the law, you can now only contact me to:

  1. Advise me that your company’s further efforts are being terminated
  2. Notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
  3. Notify me that your company intends to invoke a specified remedy

Be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the (list your state) Attorney General’s office.

Additionally, if I’m contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, any communications from your company may be recorded to be used as evidence for my claims against you.


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