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🛑 STOP DEBT COLLECTORS KIT

Make collectors stop calling forever. Cease & desist, debt validation, FDCPA complaints, and statute of limitations by state. Ready-to-use templates with legal references. Use immediately.

📄 1. Cease & Desist Letter (FDCPA §805(c))

Under the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. §1692c(c), once you send a written cease and desist letter, the debt collector must stop contacting you (with limited exceptions). Use this template — fill in your details and mail certified mail.

CEASE AND DESIST LETTER (send via certified mail) [Your Name] [Your Address] [City, State, ZIP] [Date] [Debt Collector Name] [Collector Address] RE: Cease and Desist – Account #[Reference Number] Dear [Collector Name], I am writing to demand that you CEASE AND DESIST all further communication with me regarding the above-referenced alleged debt. This notice is sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §1692c(c). You are hereby notified that I refuse to pay this debt and that you must stop all communication with me. Any further contact will be considered harassment and a violation of federal law. This letter is not an acknowledgment of any debt. I also request that you provide validation of the debt as required by §1692g. Sincerely, [Your Signature] [Your Printed Name]

⚠️ Important: Keep a copy. Send by certified mail with return receipt. If they continue calling, they violate FDCPA — you can sue for up to $1,000 plus attorney fees.

🔍 2. Debt Validation Request (FDCPA §809)

You have the right to request validation within 30 days of first contact. The collector must provide proof that you owe the debt and that they have the right to collect. Use this letter to demand verification.

DEBT VALIDATION REQUEST (send within 30 days of first contact) [Your Name] [Your Address] [Date] [Collector Name] [Collector Address] RE: Dispute & Validation Request – Account #[Reference Number] Dear [Collector], I am disputing the debt referenced above and request validation pursuant to 15 U.S.C. §1692g. I have received no proof that I owe this amount. Please provide: 1. Original creditor name and address. 2. Itemized statement of the alleged debt. 3. Copy of the original contract or agreement. 4. Proof that you are licensed to collect in my state. Until you provide such validation, you must cease collection activities. Sincerely, [Your Name]

Pro tip: If they cannot validate, they must stop collection and remove tradeline. Dispute with credit bureaus after 30 days.

⚖️ 3. FDCPA Violation Complaint Template

If a collector calls after a cease & desist, uses abusive language, or calls at odd hours, file a complaint with the FTC and CFPB. Use this template to document and send.

FDCPA VIOLATION COMPLAINT (file with CFPB / FTC) Your Name: [Your Name] Collector Name: [Company] Collector Phone: [Number] Date of violation: [Date] Description: [e.g., called after cease & desist, threatened wage garnishment] FDCPA Sections violated: - §1692c(c) – communication after cease & desist - §1692d – harassment - §1692e – false/misleading statements I demand that the collector cease all contact and that the CFPB take appropriate action. Attach copies of letters, call logs, and certified receipts. Send to: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552

Legal reference: 15 U.S.C. §1692k — you can recover actual damages, statutory damages up to $1,000, and attorney fees.

📅 4. Statute of Limitations by State (written contracts)

If the debt is time-barred (past SOL), collectors cannot sue you. Use this table to check your state. Note: SOL varies by debt type; this is for written contracts. Always verify with a local attorney.

State	Years	State	Years
Alabama	6	Montana	8
Alaska	6	Nebraska	5
Arizona	6	Nevada	6
Arkansas	5	New Hampshire	3
California	4	New Jersey	6
Colorado	6	New Mexico	6
Connecticut	6	New York	6
Delaware	3	North Carolina	3
Florida	5	North Dakota	6
Georgia	6	Ohio	6
Hawaii	6	Oklahoma	5
Idaho	5	Oregon	6
Illinois	10	Pennsylvania	4
Indiana	6	Rhode Island	10
Iowa	5	South Carolina	3
Kansas	5	South Dakota	6
Kentucky	10	Tennessee	6
Louisiana	10	Texas	4
Maine	6	Utah	6
Maryland	3	Vermont	6
Massachusetts	6	Virginia	5
Michigan	6	Washington	6
Minnesota	6	West Virginia	10
Mississippi	3	Wisconsin	6
Missouri	5	Wyoming	8

* Oral contracts, promissory notes, and open accounts may differ. This table is for general reference. Consult an attorney for specific legal advice.

✅ 5. Action Checklists & Quick Guide

☐ Immediate steps to stop collectors

Do not admit the debt or make payments before validation.
Send Cease & Desist (Section 1) via certified mail.
Send Debt Validation Request (Section 2) within 30 days.
Check statute of limitations — if expired, send “time-barred” letter.
Log every call: date, time, caller ID, what was said.
If they violate FDCPA, file complaint using template (Section 3).
Dispute with credit bureaus (Equifax, Experian, TransUnion).

☐ FDCPA rights at a glance

Collectors cannot call before 8am or after 9pm.
They cannot harass, threaten, or use obscene language.
They must send a written notice within 5 days of first contact.
You have 30 days to dispute the debt in writing.
They cannot contact you at work if you tell them not to.
Third-party disclosure is prohibited (except to spouse/attorney).