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Debt Collectors & Debt Buyers Cease & Desist / Communication Limits

Notice to Communicate Exclusively in Writing

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When to use it

Send when you want to force all future collection communications to be conducted solely via U.S. Mail.

Preview

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: FORMAL NOTICE TO COMMUNICATE EXCLUSIVELY IN WRITING VIA U.S. MAIL Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Collector Reference #: [ACCOUNT COLLECTOR REFERENCE] Dear [RECIPIENT NAME], I am writing regarding the above-referenced account to formally revoke any consent for telephone, electronic, or verbal communications, and to instruct your agency to communicate EXCLUSIVELY IN WRITING via U.S. Postal Service mail. Pursuant to 15 U.S.C. § 1692c(a)(1) and 12 CFR § 1006.6(b), receiving phone calls (whether home, mobile, or work), text messages, emails, or direct messages is highly inconvenient and burdensome to me. Effective immediately: 1. All telephone calls to any number associated with me must cease. 2. All SMS text messaging and electronic mailing must cease. 3. Any future notices, disclosures, or validation documents must be transmitted exclusively in paper format via U.S. Mail to my address above. Communicating exclusively in writing ensures an accurate written record of all communications for legal review. Any subsequent telephone calls, text messages, or electronic communications from your agency will be logged and submitted as evidence of statutory harassment and willful FDCPA violations under 15 U.S.C. §§ 1692c 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)12 CFR § 1006.6(b)12 CFR § 1006.14

Before you send

  • Collector is contacting consumer by phone, text, or email.
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.
  • Forcing written-only communication preserves a paper trail of all collector statements while eliminating telephone pressure.

Follow up

Allow about 15 days for a response.