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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 highlights common misconceptions regarding the terminology, noting that the phrase "cease and desist" does not appear in the FDCPA. Watts recounts a case where a consumer wrote to a debt collector refusing to pay a debt, leading to continued communication from the collector. The consumer sued, but the judge ruled that the law requires explicit use of "cease and desist." Watts clarifies that stating "I refuse to pay" effectively means no further communication is allowed under the law. He aims to clarify these legal nuances regarding debt collection practices.