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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" does not appear in the FDCPA. Watts recounts a case where a consumer wrote a letter refusing to pay a debt, but the debt collector continued to communicate, leading to a lawsuit. A judge ruled that the consumer should have explicitly used the term "cease and desist." However, Watts emphasizes that stating a refusal to pay is sufficient under the law to prohibit further communication from the debt collector. He intends to explore the specific legal language and implications further.