What is a cease and desist letter?

A cease and desist letter is a legal document sent by one party to another to end particular activities. In the case of Consumer Debt Defense Law in South Carolina, it is a notification sent by a consumer or their attorney to a creditor or collection agency that the consumer is refusing to pay a debt or is disputing the amount requested. The letter typically cites the Fair Debt Collection Practices Act. This federal law sets limits on what debt collectors can and cannot do when attempting to collect on a debt. The cease and desist letter will inform the creditor or collection agency that they are in violation of this law, and that the consumer either will not pay the debt or will not pay the full amount requested until the creditor or collection agency verifies that the debt is accurate. The letter can also be used to stop further collection attempts, such as phone calls and letters. Once the letter is sent, the creditor or collection agency is legally bound to stop all contact with the consumer. If they do not comply, the consumer has the right to file a lawsuit against them. It is important to note that sending a cease and desist letter does not determine the ultimate outcome of a debt, it simply puts a temporary stop to any collection efforts. Ultimately, the consumer and creditor or collection agency will need to come to an agreement or the consumer may have to take legal action against the creditor or collection agency.

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What is a cease and desist letter?

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