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In this video, consumer protection lawyer John Watts discusses cease and desist letters within the context of the Fair Debt Collection Practices Act (FDCPA). He clarifies that the term "cease and desist" does not appear in the FDCPA, leading to confusion. A notable case involved a consumer asserting they would not pay a debt, but the debt collector continued communications. The judge ruled against the consumer, stating they should have explicitly used "cease and desist." Watts emphasizes that stating "I refuse to pay" is sufficient under the law to halt further communication from collectors. He aims to clarify the legal language and its implications regarding debt collection practices.