{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}

{{TODAY}}

{{CREDITOR}}
{{CREDITOR_ADDRESS}}

**Re: Cease-and-desist notice — FDCPA §805(c) (15 U.S.C. §1692c(c))**

To Whom It May Concern,

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §1692c(c), I am formally notifying your organization to **CEASE AND DESIST** all further communication with me regarding the alleged debt referenced below, other than as specifically authorized by federal law.

**Account information:**
- Account number (last 4): {{ACCOUNT_LAST4}}
- Alleged balance: {{BALANCE}}

Under FDCPA §805(c), upon receipt of this notice you may only communicate with me for the following limited purposes:
1. To notify me that further collection efforts by your organization are being terminated
2. To notify me that specific remedies (such as legal action) may be invoked, provided your organization actually intends to invoke them
3. To notify me that your organization intends to invoke a specific remedy

Any communication for any other purpose — including collection calls, letters, emails, or continued reporting to credit bureaus while this cease-and-desist stands — constitutes a violation of the FDCPA and subjects your organization to statutory damages of up to $1,000 per violation, plus attorney's fees and costs (15 U.S.C. §1692k).

**Important — this cease-and-desist does NOT:**
- Constitute an admission that this debt is valid
- Waive any rights or defenses I have under the FDCPA or FCRA
- Authorize continued reporting of this debt to credit bureaus (that is a separate matter I am pursuing under FCRA §611 and §623)

If you believe you have a legal basis to pursue this alleged debt, please file suit through the appropriate court in {{OPERATOR_STATE}}. All future communication must go through the court or through licensed counsel of record.

This notice is effective immediately upon your receipt of this letter.

Sincerely,

_______________________
{{OPERATOR_NAME}}

*Sent via USPS Certified Mail with Return Receipt Requested. I am tracking this correspondence carefully; the certified mail number is on file.*
