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Demand Creditor To Cease and Desist Letter

So often community members have asked for a letter example to accomplish some purpose. This then is a sample format I have written myself or obtained from others on my Forum. Feel free to copy, paste, and alter to fit your needs.

You have the right to demand all contact from creditors be ceased. By law, communication must stop at that time except to notify you of other legal actions.

Be aware that issuing this letter forces a collection party to take another course of action because you have blocked all communication. Quite often, legal action is the resulting course and you will be obligated to court ruling.

Also be aware that even if this obligation is straighten out, the creditor still can make no contact with you because you have requested them to cease communication. This can be to your disadvantage with issuing billing statements, interest paid, pay off amounts, etc. But it could also on occasion work against you since by law, the creditor cannot talk to you.

Demand Creditor To Cease and Desist

Your name & address



123 Collection Ave

Chicago, IL

17 April 2022

RE: Account 1234567890

Dear Sir or Madam:

I request that you CEASE and DESIST in your efforts to collect on the above referenced account (SEE letter attached). It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account.

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.