Free letter template
Letter telling a debt collector to stop contacting you
Under the FDCPA, once a debt collector receives your written request to stop communicating, it must stop, except to confirm it is stopping or to tell you about a specific action such as a lawsuit. It does not erase the debt.
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Re: Request to stop communication, reference [Their reference / account number]
To [Debt collector name], Regarding reference number [Their reference / account number]: Under the Fair Debt Collection Practices Act (15 U.S.C. 1692c(c)), I request that you stop all communication with me about this debt. This letter is not an admission that I owe this debt. Sincerely, [Your name]
When to use this letter
- A collector keeps calling or writing and you want it to stop
- You plan to deal with the debt another way (attorney, settlement, dispute)
Where to send it
Use the collector's mailing address from its most recent letter.
Tips before you mail it
- Stopping contact doesn't stop a collector or creditor from suing; don't ignore court papers.
- If you also dispute the debt, send a validation letter within the validation period.
The full template text
Re: Request to stop communication, reference {{accountRef}}
To {{collectorName}},
Regarding reference number {{accountRef}}:
Under the Fair Debt Collection Practices Act (15 U.S.C. 1692c(c)), I request that you stop all communication with me about this debt.
This letter is not an admission that I owe this debt.
Sincerely,
{{signature}}Text in {{double braces}} is filled in from the form above. This is a general template, not legal advice.