How to Write a Cease and Desist Letter to a Creditor

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Write a letter to stop creditors from contacting you.
Write a letter to stop creditors from contacting you. (Image: Hemera Technologies/AbleStock.com/Getty Images)

Collections agencies that call you about unpaid debts can push your stress level into high gear. One way to stop these annoying calls is to send a cease and desist letter to the third-party creditors who are then required to stop calling you.

Position your name and mailing address in the top right corner of your letter. Use single spacing for each line.

List the creditor's name and mailing address two spaces down from your own on the left side of the draft. Skip two spaces.

Print the date on the left side of your document. Skip two spaces.

Begin your correspondence with "Hello", "Greetings" or "To Whom it May Concern" directly under the date. Skip two spaces.

Introduce yourself briefly and reference the account number and the original creditor connected to your case. All your paragraphs will begin at the left margin. Skip two spaces.

Write specifically that you are requesting the agency to cease and desist all communications with you. Cite the Fair Debt Collection Practices Act, which states you are entitled to take this step to prevent further contact. Skip two spaces.

Conclude your correspondence with a simple "Thank you for your prompt attention to this matter." Skip two spaces.

Type "Sincerely" then skip two spaces and print your name. Use a black pen to sign your name in the space between the closing and your printed name.

Tips & Warnings

  • Cease and desist letters are only effective on third-party creditors such as collection agencies. The primary creditor, such as a bank or retail store, has the legal right to contact you to collect a debt. In addition, the agency can contact you one time after receipt of the cease and desist letter to inform you of what they intend to do next.
  • An unfortunate consequence of sending a cease and desist letter can be the escalation of your account to litigation by the primary creditor. The best way to resolve the situation for good is to make some kind of arrangement to pay off the debt.
  • Never let your emotions overtake you when writing this type of letter. Remain professional, and, above all, do not make any threats.

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