Debt collectors are breaking the rules — and you don't have to take it. Log the harassment, and this tool will instantly generate a professional Cease and Desist letter you can send to make the calls stop.
FDCPA
Federal law that protects you
$1,000
Statutory damages per violation
30 sec
To generate your letter
📞
Log an Incident
Fill in the details below each time a debt collector contacts you inappropriately. Each entry strengthens your case.
The company or person contacting you.
Select all that apply to this incident.
Calling before 8 AM or after 9 PM
Calling my workplace
Excessive or repeated calls
Threats of arrest or jail
Using abusive or profane language
Contacting friends, family, or neighbors
Misrepresenting the debt amount
Your Information (for the letter)
This stays in your browser — nothing is sent or stored anywhere.
Harassment Log
0 incidents
📋
No incidents logged yet. Use the form to record each time a debt collector contacts you inappropriately.
What Debt Collectors Cannot Do
Under the Fair Debt Collection Practices Act (FDCPA), collectors are prohibited from:
🚫
Call at unreasonable hours — before 8 AM or after 9 PM in your time zone.
🚫
Call your workplace — if they know your employer prohibits such calls.
🚫
Threaten you with arrest — you cannot be jailed for unpaid consumer debt.
🚫
Use abusive language — profanity, insults, or intimidation are illegal.
🚫
Contact third parties — they can only contact others to find your address, nothing more.
🚫
Lie about the debt — misrepresenting amounts, adding fake fees, or impersonating attorneys.
Your Cease & Desist Letter
This letter updates in real time as you fill in the form above. When it's ready, copy it and send it via certified mail.
✉️
Start filling in the form above and your Cease and Desist letter will appear here automatically.
Send this letter via certified mail with return receipt so you have proof it was delivered.
This tool provides a template, not legal advice. Cease and desist letters are one tool available under the FDCPA. For complex situations or if harassment continues after sending, consult with a consumer rights attorney.
