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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 recounts a case where a consumer told a debt collector they refused to pay their debt, leading to continued communication from the collector. When sued, a judge ruled against the consumer, suggesting that they needed to use the precise phrase "cease and desist." Watts emphasizes that under the FDCPA, stating a refusal to pay is sufficient to halt further communication from debt collectors, regardless of the terminology used.