Use this website to easily create a free cease and desist letters from a variety of different templates. Debt Collection Harassment. CeaseAndDesister.com. A Cease & Desist Letter is often times. This cease and desist template should not be used without. Sample Cease and Desist Letter Template to Collection Agency. This is a cease and desist letter for debt collection. Cease And Desist Debt Collection Letter. Collection Letter Template. A Cease and Desist Letter is used to refrain or stop the recipient. Sample Cease and Desist Letter. More than just a template. Request to Cease Collection. Create Cease and Desist. Create Cease and Desist in less than. A completed cease and desist template generally threatens legal repercussions in the event that. Debt Collector Cease and Desist Letter. Notice to Cease Communications Dear Sirs: This is to advise you that pursuant to the Fair Debt Collection Practices Act. Should I Send a Cease and Desist Letter to a Collection Agency? If so, you have probably run into many sources that recommend that you send a cease and desist letter. It is true that if you send a cease and desist letter that the collection agency can only contact you by phone one more time after receiving it to confirm its receipt and to educate you about any actions they intend to take. So from an elimination of phone calls and harassment perspective, it serves its intended purpose. However, it also has a high probability of creating a negative reaction. Cease and desist letters increase your chances of being sued. The reaction is quite simple: when you send a cease and desist letter to a collection agency, collection attorney, or to your original creditor, you leave them only one way to effectively collect from you: filing a lawsuit. Sure, they could just send you letters, but that’s not cost effective for them. Nor is it effective for generating collections and subsequent revenue. There is very little reason for a collection agency to continue to service the account if they don’t have the option to call you. So the reaction that may be created is that they may forward the account back to their client (either a junk debt buyer or the original creditor) and then the junk debt buyer or creditor will either forward it off to another collection agency or a local collection attorney for possible suit. Cease and Desist Letter Template Create, print or download a free Cease and Desist. Free Cease & Desist. I have decided that I do not want to work with your collection agency. Cease and Desist Letter Template. This General Cease and Desist Letter template is available for use on UpCounsel. GENERAL CEASE AND DESIST LETTER Think logically. Simply because to the owner of your debt – if you sent it once, you’re more likely to send it again. And when you consider their agenda of wanting to collect from you as quickly as possible, it just makes sense for them to pursue with an approach that a cease and desist letter cannot negate: a lawsuit. The reason: if the accounts have exceeded your state. It’s important to become aware of your state’s law regarding acknowledgement of debt and renewing the statute of limitations prior to mailing any correspondence. See my article about acknowledgement of debt and the statute of limitations for a list of links to the specific state laws regarding this. So what should I do if I can’t handle these collection calls? Well first off, if debt collectors are calling you at work, a verbal request for them to stop calling you there “should” suffice. Cease and desist letters are only necessary when you would like to stop the calls to your home or cell phone. By law, collection agencies must honor a verbal request to stop calling you at your place of employment, but I say “should” because some debt collectors are more aggressive than what the law permits and they may ignore your request. So the smartest thing to do when you make a verbal request for them to stop calling you at work is to write down the name of the collector you spoke with, the company they work for, their phone number and extension, and the date and time the call took place. Then keep this information in a safe place so you may reference it later. If any representative from that company calls you at work again, after you have made this verbal request, you will want to again document the above information, advise them of your request not to receive calls to your place of employment, and then hang up and call an attorney to discuss your options for recourse. When you call an attorney, make sure to locate an attorney that specializes in F. D. C. P. A. Also be sure that they offer free consultations. What if I can’t handle the calls to my cell or home phone? Before I get into the specifics, I want you to have a better understanding of what percentage of collection accounts are typically collected. This may be a shocker to you: cumulatively speaking, approximately 8. You read that right: 8. Think that sounds crazy? Read it for yourself from the Consumer Financial Protection Bureau. ACA International, 2. Agency Benchmarking Survey, at 2. On the bottom of page 4. The five publicly traded debt buyers. Meaning that approximately 6 out of 1. Back to what to do if you can’t handle the calls to your home or cell phone: use technology. Your number one priority is to achieve your goal of fewer calls without putting yourself in an adversarial situation with your creditors. You want to mingle with the thousands to tens of thousands of other accounts that the collection agency is servicing. If you send a cease and desist letter, you single yourself out and cause the collection agency or the creditor to segregate your account from the general population of collection accounts. And by doing so, you put yourself up against a much more sophisticated collection process. It’s important to not disconnect your number or block the calls. If the number the collector is dialing is either disconnected or blocked, you will cause them to start skip tracing (investigation to locate your home, cell, and work phone – this may involve phone calls to your relatives – although, it is unlawful for them to disclose the nature of their call) you for a new number. Whereas if they encounter a voicemail, they will generally just continue to call. The technology you can use as an alternative to sending a cease and desist letter is as follows: Alternative #1: Cell Phonesi. Phone: Don’t block calls, but silence them with a silent ringtone. This will still allow the calls to come through, but will silence the ring so you won’t even notice. To set this up, download this i. Phone silent ringtone (be sure to right- click or cmd- click and “Save As”), import it into i. Tunes, and sync it to your i. Phone. On your i. Phone, add the number you want to block/silence to your contacts and set the silent ringtone as that contact’s custom ringtone. Source: iphonefaq. Android: If you want to send callers straight to voicemail on stock Android, the process is pretty simple. Go to the contact in question and hit Menu > Options and then check Incoming calls (send calls directly to voicemail). All Android smartphones should have some variation of this option to auto- reject calls from specific contacts. Unfortunately sometimes carriers mess around with it because they want to offer services of their own. If the calls are relentless, your best bet is to turn the ringer off and screen your messages. You’ll want to direct everyone that you want to hear from to your cell phone. Or, you could forward all of your landline calls to your cell phone and then the specific numbers you want to go straight to your cell phone’s voicemail should do so. Privacy Manager can also be very useful if the debt collector is calling your landline from a blocked or private number. Call your phone company to inquire on its cost, availability, and specific options. If you don’t get the greatest cell phone reception at home, you may want to look into a cell phone signal booster – see the top 1. Amazon. Conclusion. Please keep in mind that I am in no way encouraging you to not communicate with your creditors. I’m of the mind that you should do so. When you’re employing the above- strategies you should still reach out to your creditors to find resolution. If you ignore your creditors they may still sue you, but the chances of being sued are significantly less than if you send a cease and desist letter. Debt collector harassment creates a lot of stress and negative emotion that can impact all areas of a consumer’s life. So I understand your situation and how you may desire to minimize the calls in an effort to reduce some of the stress that you’re experiencing. Which is why I took the time to write about this. The entire premise of my perspective is that when you’re behind on your bills, you’re in a weak position. And because of that weak position, you are less likely to be financially prepared to properly react to any escalated collection events. Can you afford to pay an attorney to defend yourself right now? Or would you fall into the category that 9. That being: doing nothing and losing by default. And even if you could afford an attorney: what is the likelihood that they would successfully defend it? It puts you in a world of uncertainty. And it’s a situation that is potentially avoided if you don’t choose to put yourself in an adversarial situation to begin with. Cease and desist letters unfortunately do that. Please feel free to contact me or comment below with any questions or comments. I help people settle ALL of their delinquent debts at the same time. I charge 1. 0- 1. I save you. I don’t offer a long- term program. I limit my service because debt settlement isn’t successfully reliable if you can. And don’t worry, I wasn’t one of those huffy- puffy types. I also held positions of Collection Manager, Corporate Trainer, and Director of Collection Operations. Create a Free Cease and Desist Letter. Table of Contents. The Definition: What is a Cease and Desist Letter? The 5 Types of Cease and Desist Letters – Free Template Downloads. The Consequences of Not Using One. How to Write Your Own. The Definition: What is a Cease and Desist Letter? A Cease and Desist is a letter that is sent to an individual or business engaging in unlawful and unwanted behavior. Otherwise, legal action will be taken because the behavior is harming or interfering with the sender. The 5 Types of Cease and Desist Letters – Free Template. Cease Harassment Letter. Click to expand sample. Cease and desist letters. You will most likely need this letter if you are receiving unwanted treatment or being threatened in your personal life or workplace. Our free template for Harassment tells a harasser. Include as many specific details as possible. As a result of your harassment, I have suffered . Instead, the harassment must unfortunately occur over a period of time, even a short one. If a woman in tech working at Google can be harassed, the chances are unfortunately high that you may experience some kind of harassment in the workplace. A Cease and Desist can be used if you are being harassed or bullied at work. Cease Trademark Infringement Letter. Click to expand sample. A trademark is usually a name, word, phrase, logo, symbol, design, or image that helps people identify a product or service with. Unlike a copyrighted work that automatically gets protected once written, you must take steps to register a trademark with the U. S. Patent and Trademark Office (USPTO) if you want similar legal rights. However, because there is a mandatory application process, the owner of the rights to a trademark are well documented, making trademarks more easily enforceable. Our free template. Be sure to include the following helpful information: date trademark was first usedtrademark registration numbertrademark registration dategeographic areas where the trademark is used. Click here to download your free Desist Trademark Infringement. We have used our trademark as early as . Our trademark is registered with the United States Patent and Trademark Office, registration number . We have used our trademark for . Due to the same or similar trademark, . Therefore your unauthorized use of our trademark constitutes trademark infringement. We hereby demand that you . If you do not cease and desist the infringing activity . Cease Debt Collection Letter. Click to expand. You should always pay your debts, but a debt collection agency does not have the right to harass you with numerous telephone calls and messages. The Fair Debt Collection Practices Act. You claim that I owe debt in the amount of $. Section 1. 69. 2, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. The debt collector can still sue you to collect the money owed. If the debt collection agency does not stop within 1. Cease Defamation Letter. Click to expand sample. A letter. Some states further recognize two kinds of defamation — written false statements (. The person must not only immediately stop making such false statements, but also remove all false statements from any websites or forum posts. Click here to download your free Desist Defamation. Include specifics such as where, when and how (e. Include how the false statements were . Include the reason(s) why the statement(s) are false. You do not, however, have to be a celebrity . Image Credit: Wikipedia. Cease Copyright Infringement Letter. Click to expand sample. U. S. An original work can also be formally registered with the U. S. Copyright Office, creating a public record of the copyright. Anyone wishing to use all or a portion of this copyrighted work must first get permission from the owner. Our free template. The features and phrasing on your website. We have reserved all rights in the Work, which was first published on . You neither requested nor received permission to use our Work therefore your unauthorized copying and use of our copyrighted Work constitutes copyright infringement in violation of the United States copyright laws. We hereby demand that you, within . Copyright Office. Famous examples of copyright infringement. The Oatmeal is just one example of a popular comics and articles website that has often been copied without even a link back to the original source. Oatmeal cartoonist Matthew Inman and many other original content creators on the Internet face real challenges in operating a business on the wild wild web. Familiar internet sites like Reddit, Funny. Junk, Damn LOL, and 9. GAG essentially make money from ads by re- posting original content with or without proper credit. Read Matthew Inman. In response, the Oatmeal cartoonist raised over $2. Indiegogo campaign to donate to the National Wildlife Federation and the American Cancer Society instead of paying the requested damages. The Consequences of Not Using. Sending this letter will put the infringer or harasser on notice of your claims and cut off any defense they may have based on lack of knowledge. It also shows them that you are serious about the claim and closely monitoring the situation. And it opens the door for discussion and negotiation to solve the conflict out of court, potentially saving you lots of time and money. Here are just a few of the preventable consequences that can be prevented with a Cease and Desist Letter: Lost opportunity cost. Reputation and character temporarily or permanently damaged. Customers confused by who is the original creator. Loss of money. Damage to your personal reputation may affect your business. Cost of lawyer fees to follow up with a lawsuit. Public consumers mistakenly purchase someone else. How to Write Your Own. A simple Cease and Desist should address the following: Who has been engaging in the unlawful activity. What behavior is considered unlawful (i.
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