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In this video, consumer protection lawyer John Watts discusses cease and desist letters in the context of the Fair Debt Collection Practices Act (FDCPA). He clarifies that the term “cease and desist” is not mentioned in the FDCPA. Watts shares a case where a consumer wrote a letter stating they refused to pay a debt, yet the debt collector continued communications. When the consumer sued, a judge ruled against them, suggesting they should have used the specific phrase "cease and desist." Watts emphasizes that simply stating "I refuse to pay" is sufficient to require the debt collector to stop communication, highlighting a common misconception about the law.