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In this video, consumer protection lawyer John Watts discusses the topic of cease and desist letters in relation to the Fair Debt Collection Practices Act (FDCPA). He aims to clarify common misconceptions about the term "cease and desist," noting that it does not actually appear in the FDCPA. Watts shares a relevant case where a consumer who simply stated their refusal to pay a debt was disregarded by a debt collector, leading to legal action. A judge ruled against the consumer for not using the specific phrase "cease and desist," which highlights the confusion surrounding communication rules under the FDCPA. He emphasizes that stating "I refuse to pay" serves the same purpose, indicating that collectors must cease communication.
