Question 1

Is this legal?

Accepted Answer

Yes. Cease and desist letters are a legal right under the Fair Debt Collection Practices Act (FDCPA), a federal law protecting all Americans from debt collector harassment.

Question 2

What exactly is a cease and desist letter?

Accepted Answer

A cease and desist letter is a formal legal document that demands a debt collector stop all contact with you immediately. Once received, they are legally required to stop or face federal penalties of up to $1,000 per violation.

Question 3

Do I need a lawyer to use this?

Accepted Answer

No. Anyone can send a cease and desist letter themselves. Our platform makes it easy, fast, and professional. No legal knowledge required.

Question 4

Is StopAndDesist a law firm?

Accepted Answer

No. StopAndDesist is a document preparation service. We are not a law firm and do not provide legal advice. We help you generate a properly formatted FDCPA cease and desist letter quickly and affordably.

Question 5

How fast will I receive my letter?

Accepted Answer

Instantly. As soon as your payment is processed, your letter is generated and emailed to you as a PDF within 60 seconds.

Question 6

What information do I need to provide?

Accepted Answer

Just a few basic details: your name and address, the name of the debt collection agency, and how they have been contacting you. The entire process takes under 2 minutes.

Question 7

How do I send the letter to the debt collector?

Accepted Answer

Once you receive the PDF by email, we recommend sending it via USPS Certified Mail with Return Receipt Requested. This gives you proof that the collector received it, which is important if you ever need to take legal action.

Question 8

What happens after I send the letter?

Accepted Answer

The debt collector is legally required to stop all contact with you. If they continue contacting you, they are violating federal law and you may sue them for up to $1,000 per violation plus attorney fees.

Question 9

Will this letter erase my debt?

Accepted Answer

No. A cease and desist letter stops the harassment and all contact, but does not eliminate the underlying debt. The collector may still pursue the debt through legal channels, but cannot contact you directly.

Question 10

What types of debt does this work for?

Accepted Answer

Any consumer debt: credit card debt, medical bills, student loans, personal loans, utility bills, and more. If a third-party debt collector is contacting you, the FDCPA applies.

Question 11

What if the debt collector ignores my letter?

Accepted Answer

If they continue contacting you after receiving your letter, they are violating federal law and you can sue them for up to $1,000 per violation plus attorney fees under the FDCPA. You should consult an attorney in that case.

Question 12

How much does it cost?

Accepted Answer

Just $49, one flat fee. No subscription, no hidden charges, no attorney consultations. You pay once and receive your letter instantly.

Question 13

What is included in the $49?

Accepted Answer

Everything. A fully personalized, FDCPA-compliant cease and desist letter tailored to your situation, delivered as a professional PDF to your email within 60 seconds.

Question 14

Is my payment secure?

Accepted Answer

Yes. Payments are processed securely through Paddle, a globally trusted payment processor. We never see or store your credit card details.