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hey guys thanks for watching this video my name is john watts this is really the third part of our series on three types of dispute letters so weve spoken about just a general dispute letter and then number two a request for information youre requesting information requesting documents from a debt collector well whats the third letter thats the refuse to pay letter sometimes called the cease communications cease and desist but the more correct term for it thats in the statute is a refuse to pay letter and thats where you say to the debt collector i refuse to pay you and when they get that they are to honor that and not communicate with you except for some very small exceptions and but theyre not to suddenly go oh well let me prove to you now that you owe this debt since youre refusing to pay thats a violation of law this is under section 1692 c and then in parentheses c again so 1692 cc and so whats the basis of this well its to tell a debt collector that you refuse to pay
