Debt Negotiation and Cease & Desist Letters

"I'd rather go to bed without supper than rise in debt." Ben Franklin

Franklin Debt Relief, LLC is a member of (TASC) The Association of Settlement Companies. This trade association has developed a standardized industry disclosure for consumers.

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Cease & Desist Letters and Debt Negotiation

Cease & Desist letters apply only to third-party debt collectors and not the original creditor, unless you live in a handful of states like California, Texas, and Florida. According to the FDCPA, a collection agency is legally obligated to stop contacting a debtor upon receiving a Cease and Desist letter.

Although this may provide immediate relief to creditor calls, Cease and Desist letters do not eliminate the debt, and in fact, many times creditors will escalate their collection efforts by sending the debt to a law firm in the event that they receive a C & D. In general, Franklin Debt Relief only advises the use of Cease & Desist letters to our debt settlement clients in the event of extreme creditor harassment for this reason.

Sample Cease & Desist Letter

Date:

Name Of Person at Collection Agency
Collection Agency Name
Address
City, State, ZIP

RE: Account #

Dear Name of Agent or Agency,

In accordance with the laws of the Fair Debt Collection Practices Act, this is a formal demand that your company Cease and Desist all attempts to collect the above named debt. I plan on paying the debt back, but I do not have the resources to do so at this time. I will contact you in regards to this at a later date.

Regards,

Signature

Name

First Name

Last Name

Phone
( ) -

E-Mail Address

Debt Amout