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In this video, attorney John Watts discusses the topic of cease and desist letters in relation to the Fair Debt Collection Practices Act (FDCPA). He clarifies that the term "cease and desist" is not actually specified in the FDCPA. Watts shares an example involving a consumer who informed a debt collector that they refused to pay a debt. Despite this communication, the debt collector continued to reach out, leading the consumer to sue. A judge ruled that the consumer's phrasing was insufficient, stating that they needed to explicitly use "cease and desist." Watts emphasizes that simply stating "I refuse to pay" should suffice to halt further communication under the law. He aims to clarify these misconceptions and review the legal text pertaining to such cases.