Should I Send a Cease and Desist Letter to a Collection Agency?

Should I Send a Cease and Desist Letter to a Collection Agency?

Are you in the midst of conducting research about how to deal with debt collectors? 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 letter debt collection

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.

stop collection calls

Think logically…

Please keep in mind, the account may be more likely to be forwarded to a local collection attorney since you have already sent a cease and desist letter in the past. 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.

It is important to note that if you possess any attachable assets (or if they’re familiar with your place of employment), your chances of this occurring will be much greater than if you don’t.

What if the accounts have exceeded statute of limitations?

I would send a cease and desist letter if you prefer to no longer receive phone calls. The reason: if the accounts have exceeded your state’s statute of limitations, the statute can protect you and these risks should no longer exist.

In some states you have to be careful about what you say in any written communication to debt collectors. 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.

debt collector calling work

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. (Fair Debt Collection Practices Act) defense, and preferably one that is local to you. Also be sure that they offer free consultations.

debt collection calls to cell phone

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 80% of delinquent accounts are never collected. You read that right: 80%!

Think that sounds crazy? Read it for yourself from the Consumer Financial Protection Bureau.

On the bottom of page 42 it states: “a recent survey found liquidation rates ranging from 12.0 to 28.8 percent depending on the type of debt being collected. ACA International, 2012 Agency Benchmarking Survey, at 21%.”

On the bottom of page 43 it states: “The five publicly traded debt buyers’ portfolios appear to yield, on average, 17% of their purchase price five years after purchase.”

Here’s something else you may find shocking: based off of my experience, approximately 40% of collection accounts are verbally communicated with. Meaning that approximately 6 out of 10 consumers that are in collections never answer their phone.

debt collection calls to cell phone

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.

You want to be a little fish in a big ocean rather than a whale in a fishbowl.

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 Phones

iPhone: 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 iPhone silent ringtone (be sure to right-click or cmd-click and “Save As”), import it into iTunes, and sync it to your iPhone. On your iPhone, add the number you want to block/silence to your contacts and set the silent ringtone as that contact’s custom ringtone.


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. You’ll generally find call blocking options in Parental Controls for all the major carriers, but they might charge you for the privilege.

Source: Digital Trends

For all other cell phones: Call your service provider and ask them if you can forward specific phone numbers straight to voicemail.

Alternative #2: Landline Phones

Again, you don’t want to block the calls so they don’t start skip tracing for more information about you.

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 100 rated signal boosters on Amazon.

debt collection calls to cell phone


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 90% of all people who are sued on delinquent debt fall into? 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.

It’s a horrible situation to be in. 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.

If you’re wondering about what information debt collectors may know about you, please see my article on how to talk to debt collectors.

If you are thinking about offering a settlement in writing, please see my article on debt settlement offer letters.

I hope this information about cease and desist letters helps you. Please feel free to contact me or comment below with any questions or comments.

Written by Jared Strauss

Jared Strauss

I help people settle ALL of their delinquent debts at the same time. I charge 10-15% of what 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’t settle your delinquent debts quickly.

I was formerly one of the most successful debt collectors in the country. 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. I’ve worked for large third-party collection agencies, collection attorneys and large debt buyers. (full bio)

I’ve dedicated my website towards truly explaining how debt settlement really works and to dispel the myths revolving around credit and debt.


  1. The Phroogal Jason December 12, 2013

    Great info once again. There is so much about debt and it seems a lot to understand so much so that it makes it harder to take action. You make it easy to comprehend.

    • Jared Strauss April 17, 2014

      Hi Jason,

      I just noticed I never replied to you on this. Thanks for your kind words! I just checked out your site and I have to say that I’m really impressed. You have done a great job with it! Have a good one!

  2. Amir April 16, 2014

    Awesome piece of advice for people in a difficult situation in their lives. What surprises me is the no mention of another option called “bankruptcy” in the whole article. I know it kind of puts you out there as a “bad debtor” for the rest of your life in front of any financial institution but still I think an option which Abraham Lincoln and many other great figures in the pages of history opted for (i.e. bankruptcy) can’t be too bad to not include in this article. And since filing bankruptcy destroys your financial future FOREVER (thanks to the usual practices of financial institutions), it will be wiser to migrate to a new country where you can start a brand new life without being put to shame by these financial institution each time you buy a home or a car. After every mistake, there’s still a chance to learn. Unfortunately the US banking laws still have not incorporated that basic trait of a being a human. And obviously, these inhumane banking laws will never EVER be changed by a Congress or a Senate who treats money as their one-and-only God.

    Salam (peace)

    • Jared Strauss April 17, 2014

      Thanks for your comment, Amir. Actually, bankruptcy isn’t as bad as you think. You’re not alone, most people, even people that file for bankruptcy, think what you do too. It’s a very common misconception.

      The key to recovering from bankruptcy is to be assertive with your acquisition of new credit after the bankruptcy has been discharged. It’s important for people who file bankruptcy to obtain at least 3 new trade lines as soon as possible.

      Once they do and pay their payments on-time and they manage their credit well, they generally recover quite quickly.

      A lot of people who file bankruptcy don’t bother with trying to rebuild their credit because they feel that it is futile to do so. They think they’re doomed so why try? But, that assumption is generally completely wrong.

      Feel free to check out my article about Credit After Bankruptcy to learn more.

      I’m very pro bankruptcy myself, at least towards Chapter 7. It gives people who can’t find a way to resolve their situation in a reasonable amount of time the ability to do so. It’s a useful tool to employ when no other make sense, successfully reliable alternatives exist.

      I didn’t mention it in the article because it is discussing cease and desist letters, but I appreciate you pointing out the relevance. I would imagine a lot of people who are considering cease and desist letters may want to learn more about bankruptcy. I appreciate you bringing that logic to my attention.

      Here are some links to other articles on my blog regarding bankruptcy to assist you and others with this information:

      Debt Settlement vs. Bankruptcy

      Should I File Bankruptcy

      Filing Chapter 13 Bankruptcy? A Reliable Alternative Exists

      Thanks, Amir. Have a good one!

    • Timothy Benton April 21, 2014

      I went through a bankruptcy, mine was due to a sever injury at work, then found out my employer did not have workman’s compensation. Went after uninsured workman’s comp fund, and even though I won the case, they only gave me 3 months disability even though I have Quada Equina, can not walk without a walker and now ten years later am still disabled.
      I found at first I got harassing calls, but told them once to stop I was in bankruptcy, if they did not, I filed charges against them.
      But do not think your life is over, I now am back in college (could not handle disability), and am well on the way to again establishing my credit. Seems that car loans, credit cards, and all the other credit options other people get, I have no problem with. But still to this day I do have some places that will not extend credit, and I found my car loan was higher then normal. But that is also the nature of the beast. In time it will be gone, and under law they can not hold it against you after 10 years. Now all the bankruptcy actions are finally falling off, and I have no new reports because I have been extremely faithful on never being late on even one payment.

      • Jared Strauss April 21, 2014

        That’s a great story, Timothy. Thank you for sharing! Have a good one!

  3. Joan April 18, 2014

    My situation is that I became disabled a few years back and I am on welfare and have absolutely no way to make any payments. In a year I will start collecting social security, but not very much. I understand that in this situation I am judgement proof. I had to get rid of my land line because I could no longer afford to pay it. The problem is that the debt collectors have now started calling my parents. They are old and not responsible for my debt. What should I do to get them to stop calling my parents? You don’t recommend a cease and desist letter but this seems to be my only alternative. I can’t pay a lawyer to file BK. I would appreciate any helpful advice.

    • Jared Strauss April 21, 2014

      I’m sorry to hear about your situation, Joan. I love your question, as I would imagine a lot of people who are seeking information about cease and desist letters may be experiencing what you are.

      My best advice in this situation is to advise your parents to explain to the debt collectors that you don’t live there and to offer to take a message.

      Per the FDCPA, debt collectors are only allowed to call a relative ONE TIME, unless they feel the information they received from them was erroneous.

      So with the above advice your parents will accomplish two things: first, they will make it known that their number isn’t a good place to reach you at. And two, they will have documented proof of who they advised and their contact information.

      So if the same collection agency calls your parents again, they will have the option to hire a FDCPA defense attorney to sue them for violating the law. Most FDCPA attorney’s will take cases like this for free and the collection agency will be responsible for their attorney’s fees.

      When your parents take the message make sure they get the following information:

      Name of the company
      Name of the debt collector
      The phone number for the collection agency along with the extension for the collector
      Date and time of the call

      Joan, please feel free to follow up with any additional questions. I wish you well. Have a great day!

  4. jqp August 12, 2014

    Using written communication in the form of a cease and desist for a debt that is now time barred, is there any way to require the current debt holder to inform any future buyer of the debt that it is time-barred or be held liable for misrepresenting it as collectable?

    It seems unethical that a company can knowingly sell time-barred debt to other parties without any obligation to reveal that there is no longer a legal avenue by which the buyer might collect.

    • Jared Strauss August 14, 2014

      Hi Jqp,

      Great questions. I believe the CFPB is working on some framework for this. Their rules are expected toward the end of the year.

      I’m hopeful that they will direct the collection industry to pass along any previous do-not-call requests to any future collection agencies.

      To my knowledge, at this point in time, if you request a collection agency to cease and desist they do not have to inform any subsequent agency of your request.

      Further, the CFPB has already given the collection industry guidance on how to handle time-barred debt. It boils down to debt collectors being required to disclose the nature of the statute of limitations in both written and verbal communication. You can read about it here. Page 16 on down is where it gets into this.

      Please feel free to reply with any further questions. Take care.


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