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In this video, consumer protection lawyer John Watts discusses cease and desist letters, specifically in relation to the Fair Debt Collection Practices Act (FDCPA). He clarifies that the term "cease and desist" does not appear in the FDCPA. Watts shares a case where a consumer informed a debt collector of their refusal to pay a debt but continued to receive communication until they sued. The judge ruled that the consumer's wording was insufficient, stating they needed to explicitly use "cease and desist." However, Watts emphasizes that under the law, a refusal to pay should legally halt further communication. He aims to clarify misconceptions regarding cease and desist letters and the applicable legal terminology.