Here is a sample Cease & Desist Letter to Creditors:
Your Name
Your Address
Creditor's Name/Creditor's Address
Date
Dear (name of collector):
On (date), you or someone from your company contacted me about a debt. I do not believe that I owe this, and I dispute it.
In accordance with Section 809 of the Fair Debt Collection Practices Act, I am asking that you provide me, in writing, the following information:
• What the money you say I owe is for
• How you calculated this amount (in a way I can understand like showing me copies of papers where I agreed to pay what you say I owe)
• (if applicable) Provide me with a copy of a judgment, identify the original creditor, demonstrate that you and/or your company is licensed in my state, and inform me of the license number.
Please provide this letter to the company for whom you are collecting so that they have notice of my dispute.
Furthermore, please inform any credit reporting agencies to which you've reported this debt that it is now being disputed. I demand you provide me proof that you have done so.
Finally, cease and desist from contacting me in this and any and all-related matters, except via United States Mail, and only then to inform me that you are terminating all efforts to collect or that you are taking specific court or legal action.
Sincerely,
(your signature)
(your printed name)
Your harassing creditors should stop the annoying attempts to collect after you fill out and send this sample cease and desist letter. If not, you can always seek out the help of Detroit Bankruptcy Lawyers.
