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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" does not appear in the FDCPA. Watts shares an example where a consumer wrote to a debt collector stating they refused to pay a debt, but the collector continued communication. When the consumer sued, a judge ruled against them, noting they should have used "cease and desist." Watts emphasizes that stating "I refuse to pay" is sufficient under the law to stop further communication from debt collectors. He aims to eliminate confusion regarding the legal terminology involved.