In order to protect your rights under the FDCPA, you must place debt collection accounts in "disputed status" as soon as bill collectors or debt collection agencies contact you about debts that you believe are invalid, inaccurate or don't belong to you. Send a letter through certified mail with return receipt requested so debt collector cannot claim you never told them to stop calling or writing you. You should keep a copy of this cease and desist letter template for your records. This letter can be sent to any debt collection agency as well as the attorney who collect two or more debts per year. (See Cease and Desist Letter)

Once they receive your cease and desist letter, they are required to stop all the communications except to notify you about the actions that will be taken against you. Use this letter as your consumer rights are outlined in the FDCPA law.