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hey guys welcome to this video my name is john watts im a consumer protection lawyer and i want us to look at cease and desist letters and specifically what does the fdcpa the fair debt collection practices what does it actually say about cease and desist letters and part of the reason i want us to look at this is sometimes theres confusion so for example that expression cease and desist is actually not in this particular section of the fdcpa and there was a judge one time that a consumer wrote a letter to a debt collector said i refuse to pay you this debt and then the debt collector continued to call and write until the consumer sues and said hey youre supposed to stop communication and judge said no no no i dont like what you did you got tricky there you have to say cease and desist well again thats not actually in the law and whats actually in the law is i refuse to pay that means they cannot communicate with you any further so lets look at the actual law here and before we
