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Debt Collectors & Debt Buyers Cease & Desist / Communication Limits

Restriction on Communication Methods, Times, Places, and Workplace (15 U.S.C. § 1692c(a))

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When to use it

Send to stop workplace contacts, restrict call hours, or prohibit specific communication channels (phone/text).

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Bracketed fields are filled in from your account when you generate it.

[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 INCONVENIENT TIME, PLACE, AND METHOD OF COMMUNICATION PURSUANT TO 15 U.S.C. § 1692c(a) Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Collector Reference #: [ACCOUNT COLLECTOR REFERENCE] Dear [RECIPIENT NAME], I am writing to establish explicit restrictions regarding your communications concerning the above-referenced account, pursuant to 15 U.S.C. § 1692c(a) and 12 CFR § 1006.6(b). Please take formal notice of the following binding communication restrictions: 1. Workplace Contact Prohibited (15 U.S.C. § 1692c(a)(3)): Calling my place of employment is strictly inconvenient, and my employer strictly prohibits me from receiving personal or debt collection communications at work. You must immediately cease calling my workplace. 2. Inconvenient Times & Locations (15 U.S.C. § 1692c(a)(1)): Receiving telephone calls, text messages, or visits at my home or on my cellular phone is inconvenient at all times. 3. Call & Text Consent Revoked: I hereby revoke any prior express consent you or original creditor [ACCOUNT ORIGINAL CREDITOR] claim to have regarding automated telephone dialing systems, pre-recorded messages, text messaging, or emails. Pursuant to 12 CFR § 1006.6(b)(1), once a consumer designates a time, place, or method of communication as inconvenient, a debt collector SHALL NOT communicate with the consumer at that time, place, or via that method. Any continued phone calls, workplace contacts, or text messages following receipt of this letter will constitute willful FDCPA violations under 15 U.S.C. §§ 1692c(a) and 1692d. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]

Legal basis

15 U.S.C. § 1692c(a)(1)15 U.S.C. § 1692c(a)(3)12 CFR § 1006.6(b)12 CFR § 1006.14(h)

Before you send

  • Collector is calling at inconvenient times, places, or contacting workplace.
Know this first
  • Do not admit owing the debt or promise to make any payment, as doing so may restart or reset the statute of limitations in some state jurisdictions.
  • Under 15 U.S.C. § 1692c(a), once a consumer notifies a debt collector that a specific time, place, or method is inconvenient, future communication through that channel is illegal.

Follow up

Allow about 15 days for a response.