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In this video, consumer protection lawyer John Watts discusses cease and desist letters in relation to the Fair Debt Collection Practices Act (FDCPA). He clarifies that the term "cease and desist" is not explicitly mentioned in the FDCPA. A notable case is referenced where a consumer's assertion of refusal to pay did not adequately inform the debt collector to stop communication, leading to a lawsuit. The judge ruled that simply stating "I refuse to pay" should have been sufficient for the debt collector to cease communications, despite the absence of the specific phrase "cease and desist" in the law. Watts aims to clarify the legal requirements surrounding debt collection practices.