Debt Collection Forms and Letters 
Debt collectors are limited in what they can do and say by the Fair Debt Collection Practices
Act. Often, people in debt can restrict how and when debt collectors can contact them, but to be
heard, debtors should assert their rights in writing.
DSLG has assembled sample letters to let debtors state their preferences and make them stick.
Select the letter below that best describes your circumstance.
- Verification of Debt Request Form
- Simple Cease Communication Letter
- Cease Communication Form, Harassment Letter, ver. 1
- Cease Communication, Harassment Letter, ver. 2
- Cease Communication, Harassment for Debt That Is Not Yours
- California Cease Contact Letter and Form
Verification of Debt Request Form
This is the first letter a consumer should send if a debt collector calls and asserts a debt
is owed. By law, creditors must show you evidence that a debt is owed; until they show it to
you, debt collection activity must cease.
PDF, text
Simple Cease Communication Letter
Stops phone calls at home and at work; restricts contacts to U.S. mail.
PDF, text
Cease Communication Form, Harassment Letter, ver. 1
Demands creditor cease communication and harassment without acknowledging a debt is
owed.
Text only; customize to
describe the harassment
Cease Communication, Harassment Letter, ver. 2
Demands creditor cease communication and harassment, acknowledging a debt is owed.
PDF, text
Cease Communication, Harassment for Debt That Is Not Yours
Demands that the creditor cease communication and harassment for debt that is not yours, but
someone else's
PDF, text
California Cease Contact Letter and Form
Asserts rights under California and federal law to halt creditor contact, written or
oral.
PDF, text
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