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Cease-contact letter to a debt collector

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15 U.S.C. §1692c(c) lets you tell a United States collector to stop contacting you. They may still write to say contact will stop, or that they may file a lawsuit. This letter does not stop a lawsuit. It is not a credit-report dispute. The longer note is what a cease-contact letter does. 


November 3, 2026



Re: Cease communication — 15 U.S.C. §1692c(c) — this account

To whom it may concern:

I request that you stop contacting me about this debt, as 15 U.S.C. §1692c(c) allows a consumer to do. This is a written notification that I refuse to pay, or that I wish you to cease further communication, within the meaning of that subsection.

I understand you may still contact me to advise that extra-judicial collection efforts are being terminated, or that you intend to file a lawsuit or invoke a specified remedy. This letter does not prevent a lawsuit.

Sincerely,

Before you send it

  • Send via USPS Certified Mail, Return Receipt.
  • Keep a copy of the letter. Do not send original account documents unless a lawyer told you to.
  • Use the collector’s current mailing address from the notice you received. Addresses move.
  • This letter is United States collection law. It is not a letter to Experian, Equifax, or TransUnion.
  • 15 U.S.C. §1692c(c) is a request that the collector stop contacting you about this debt.
  • The collector may still contact you to say that contact will stop, or that it may file a lawsuit or invoke a specific remedy.
  • This letter does not stop a lawsuit, a judgment, or wage garnishment that a court later allows.
  • If the item on your credit report is wrong, that is a dispute letter to the bureau, not this letter.