Deceased Relative's Debt Notice of Non-Liability & Cease Contact Demand

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] Email: [CLIENT EMAIL] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: NOTICE OF DECEASED INDIVIDUAL, ABSENCE OF PERSONAL LIABILITY, AND CEASE CONTACT DEMAND Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Name of Deceased: [CUSTOM NOTES] Dear [RECIPIENT NAME], I am writing in response to your communications regarding an alleged debt associated with my deceased relative, as referenced above. Please be advised that the account holder is deceased. Under state probate laws and the Fair Debt Collection Practices Act, individual family members and surviving relatives ARE NOT PERSONALLY LIABLE for the debts of a deceased individual unless they personally co-signed the obligation or contract. I was not a co-signer or joint applicant on this account. Under 12 CFR § 1006.6(a)(4) and (d)(3), debt collectors communicating with surviving relatives regarding a decedent's debt must refrain from misleading statements implying personal responsibility. Falsely stating or implying that a surviving relative has a legal duty to pay a decedent's debt constitutes a deceptive debt collection practice under 15 U.S.C. § 1692e. Any claims regarding this account must be submitted directly to the executor, administrator, or probate court handling the decedent's estate. I hereby instruct your agency to IMMEDIATELY CEASE ALL CONTACT WITH ME regarding this account. Any further telephone calls, letters, or contacts directed to me personally will be treated as unlawful harassment under 15 U.S.C. § 1692d. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]