Cease & desist guides
Real, practical guides on FDCPA rights, debt collector harassment, and getting collectors to stop.
Cease and Desist Letter for Slander: What It Is, How It Works, and Your Options
A slander cease and desist is a formal written demand to someone making false spoken statements about you. Here's when to send one, and when to see a defamation attorney.
What Happens If You Ignore a Cease and Desist?
Under FDCPA Section 805(c), each continued contact after your cease and desist letter is a separate federal violation worth up to $1,000 in statutory damages.
Zombie Debt Explained: What It Is & How to Stop It
If a debt collector is contacting you about a debt that is years or decades old, you may be dealing with zombie debt, one of the most predatory practices in collections.
Can Debt Collectors Garnish Wages?
A collector cannot garnish your wages without first suing you and winning a court judgment. Here's the exact process, and how to protect yourself.
Debt Statute of Limitations by State (2026 Guide)
If a debt collector is pursuing you about an old debt, the statute of limitations could be your strongest defense. Here's the state-by-state breakdown.
Debt Collector Calling From Different Numbers? Here's Why, and How to Stop It
Collectors rotate through different numbers because they know you're blocking their calls. One cease and desist letter stops every number permanently.
What Happens If You Ignore Debt Collectors?
Silence tells collectors you're a candidate for a lawsuit. Here's what happens short-term and long-term, and why a cease and desist letter is a smarter move.
Wrong Cease and Desist Letters (Reddit Cases)
A properly formatted letter sent by an individual carries the same legal weight as one sent by an attorney. What matters is content and proof of delivery, not who signed it.
Your FDCPA Rights Against Debt Collectors
The Fair Debt Collection Practices Act gives you the right to sue collectors directly for statutory damages, even without a government agency getting involved.
What Is a Cease & Desist Letter? Full Guide
Everything you need to know about cease and desist letters, what they are, how they work under federal law, when to use one, and how to get one without paying a lawyer.
How to Stop Debt Collectors From Calling (Fast)
A step-by-step guide walking you through your FDCPA rights, gathering evidence, and sending a cease and desist letter that forces collectors to stop.