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tired of debt collectors harassing you send them a cease and desist letter heres how this is a presentation of the civil self-help Center and the Sacramento County Public Law Library in this presentation you will learn how to use a cease and desist letter to prevent creditors from harassing you if youre wondering what are my rights to stop a collector from contacting me the answer is that collectors must stop routine collection efforts upon receiving either a written request from you to stop contact a cease and desist letter or a written refusal from you to pay the debt the debt collector can still file a collection lawsuit against you or take any other appropriate legal action to collect the debt now what is the cease-and-desist letter a cease and desist letter is letter sent to the debt collector demanding that they permanently stop mini cease and not contact you in the future meaning desist about the debt if youre thinking to yourself I already sent the cease and desist letter to