What is a cease and desist letter?

A cease and desist letter is a legal document sent by or on behalf of a creditor or debt collector to a debtor or consumer. It is used as a demand to a debtor or consumer to cease and desist from any and all further collection activities on a debt that has been or is claimed to have been paid, discharged, or otherwise satisfied, or is otherwise unenforceable. In California, Consumer Debt Defense Law requires debt collectors to honor a cease and desist letter sent by a consumer to a debt collector. The law states that the debt collector must cease all collection activities on the debt, including sending collection letters and making telephone calls, and must also provide written notification to the consumer. This notification must include the name of the debt collector, the amount of the debt alleged to be owed, the name and address of the original creditor, and a statement informing the consumer that all collection activities must cease. The cease and desist letter also serves as a form of protection for debtors, as it alerts the creditor or debt collector that the consumer is aware of legal protections, and that the consumer is prepared to take legal action to protect their rights. Additionally, cease and desist letters may help to temporarily stop debt collectors from pursuing a debt until it can be resolved. In California, the Consumer Debt Defense Law helps consumers to protect themselves from aggressive debt collectors. By understanding what a cease and desist letter is and how it works, consumers are empowered to take control of their finances, and protect their rights and interests.

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What is a cease and desist letter?

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