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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 aims to clarify misconceptions, noting that the term "cease and desist" is not explicitly mentioned in the FDCPA. He recounts a case where a consumer wrote to a debt collector refusing to pay a debt, after which the collector continued communications. The judge ruled against the consumer, emphasizing the need to explicitly state "cease and desist," despite this phrase not being part of the law. Watts stresses that a refusal to pay should suffice in preventing further communication from debt collectors, and he plans to examine the actual law in detail.