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In this video, consumer protection lawyer John Watts discusses cease and desist letters in relation to the Fair Debt Collection Practices Act (FDCPA). He clarifies that the term "cease and desist" is not explicitly mentioned in the FDCPA. Watts shares an example where a consumer who wrote to a debt collector stating, "I refuse to pay this debt," continued to receive communication. When the consumer sued, the judge stated that the consumer should have used "cease and desist," which Watts argues is misleading since the law allows for a simple refusal to pay to halt further communication. He intends to examine the actual FDCPA provisions regarding this topic.
