Send the letter by certified mail with a return receipt request (the postmaster will help you), and keep a copy of what you send.  When you receive the green card receipt back, put it with the copy of the letter you sent.  These “cease communication” letters are not effective against the original creditor, but they are against debt collectors or collection agencies, and collection law firms.


Your Name

Your Address

City, State, Zip

Their name
Their address
Their city, state, zip

RE:  File #…  Creditor Name… Creditor Acct #.. Amt $…

(include all information that will assist bill collector identify which account you are writing about).

Dear bill collector:

This letter is your notice to cease all communication with me, pursuant to the Fair Debt Collection Practices Act, in regard to the above referenced debt.  If you fail to respect this notice, I am prepared to enforce my rights through any avenue open to me.  Should any adverse action be taken against my credit report on account of this notice, I will take action against you.


Your Name