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In this video, consumer protection lawyer John Watts discusses cease and desist letters within the context of the Fair Debt Collection Practices Act (FDCPA). He clarifies that the phrase "cease and desist" does not appear in the FDCPA. Watts recounts a case where a consumer instructed a debt collector not to contact them and faced continued communication, leading to a lawsuit. The judge ruled against the consumer, stating they needed to explicitly say "cease and desist." Watts emphasizes that under the FDCPA, stating "I refuse to pay" is sufficient to halt communications from debt collectors. He aims to clarify the law and its implications for consumers regarding debt collection practices.