It sounds fancy and complicated but a cease and desist letter simply comprises the eleven-word phrase in writing.  Here’s a sample: [Your name] [Your return address] [Date] [Debt collector name] [Debt collector Address] Re: [Account number for the debt, if you have it] Dear [Debt collector], I am writing to respond to your attempt to collect a debt from me. You contacted me by [phone/mail], on [date]. You identified the debt as [any info they gave you about the debt]. I responded with, “Please cease and desist all calls and contact with me, immediately.” In line with my request, please stop all communication with me about this debt. If you dispute the debt, please record that I dispute it. Please indicate this to any company you forward the debt to, as well as any credit bureau you report to. Thank you. Sincerely, [Your name] This formal request will ensure the debt collector stops contact immediately. Remember that you can send a cease and desist letter when—
The collector subjects you to unnecessary contact or wrongful harassment.
Your debt’s statute of limitations has expired.
The collector fails to verify your debt.
You’re in no mood to deal with the debt collector directly and want to take this to court.