Debt Collector Harassment letter template

Template preview

[DATE]

[RECIPIENT NAME]
[RECIPIENT ADDRESS]

Re: Cease and Desist — Fair Debt Collection Practices Act Violation, Re: [DEBT REFERENCE]

To Whom It May Concern:

This letter is formal notice under the Fair Debt Collection Practices Act (15 U.S.C. § 1692 et seq.) that your company has engaged in conduct that violates the Act, including: [HARASSMENT CONDUCT].

This conduct violates 15 U.S.C. § 1692d (harassment or abuse) and/or § 1692g (validation of debts).

Facts:
[FACTS]

Requested resolution:
[DESIRED OUTCOME]

Pursuant to 15 U.S.C. § 1692c(c), I demand that you cease all further communication with me except as permitted by law, and that you provide written validation of this debt pursuant to § 1692g. Continued violations may result in a complaint to the CFPB, the state attorney general, and a private action for statutory and actual damages under 15 U.S.C. § 1692k.

Sincerely,

[USER FULL NAME]
[USER ADDRESS]

Bracketed fields are filled in automatically from your answers, then rewritten by AI into a professional letter in your own voice.

What you'll need

• • Recipient
• • Recipient address
• • Your name
• • Your address
• • Account reference
• • Harassing conduct
• • Facts
• • Desired outcome