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guys welcome to this video my name is john watts im a consumer protection lawyer i want to do just a short video today about a refusal to pay letter a lot of times you see these sort of forum debt validation letters and they will say this is not a refusal to pay well i want to talk to you about the opposite what happens when you send a letter to a debt collector and you say i refuse to pay this debt or any debt that you claim to to have on me what happens well that is the same thing as a cease communications or sometimes called a cease and desist letter so its exactly the same thing and what it tells the collector is with very few exceptions they better not call you better not write you again okay and if they do then they will violate the fdcpa the fair debt collection practices act now i have a longer video for probably later in this week and i think the title of it is something like the building blocks of a dispute letter well talk about all different types of dispute letters win
