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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. Watts shares a case where a consumer told a debt collector they refused to pay a debt, but the collector continued to contact them. The consumer then sued, believing the collector should have ceased communication. However, a judge ruled that the consumer's wording was insufficient since "cease and desist" was not used. Watts emphasizes that stating a refusal to pay also requires debt collectors to stop communication, highlighting the importance of understanding the law's exact language.