How to Stop Debt Collector Calls
Constant calls from a debt collector wear you down. The good news: under the Fair Debt Collection Practices Act, you can require a third-party collector to stop contacting you, in writing. Here is how to do it, and what it does and does not change.
What a cease-and-desist letter does
Once a collector receives your written request to stop contacting you, the law requires them to stop, with narrow exceptions. They may contact you one more time to confirm they received it, or to notify you of a specific action, such as a lawsuit.
Important: this applies to third-party debt collectors, not your original creditor. And it stops the contact, it does not erase the debt.
Use it carefully
Because a cease-and-desist does not make the debt go away, and can prompt a collector to escalate to legal action if the debt is valid, it is a strategic tool, not a cure. Use language that refers to "the alleged debt," and do not admit the debt is yours.
If you are not sure the debt is even valid, send a debt validation letter first, or alongside it, to make them prove it.
How to send it
Put it in writing, send it by certified mail so you have proof of delivery, and keep a copy. State clearly that you are requesting they cease all communication about the alleged debt.
If a collector keeps contacting you after receiving a proper request, that may be a violation of your rights, and worth documenting.
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Get the free Letter Pack →Frequently asked questions
Does a cease-and-desist erase my debt?
No. It stops a third-party collector from contacting you, but the debt still exists and can still be pursued, including in court if it is valid.
Does it work on the original creditor?
The FDCPA covers third-party collectors, not the original creditor. The cease-and-desist applies to collectors.
Should I validate the debt first?
Often yes. If you are unsure the debt is valid or yours, send a debt validation letter to make them prove it before, or along with, a cease-and-desist.