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As a consumer, you have important rights under both federal and state laws to stop harassment from debt collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect you from abusive or excessive contact. One powerful tool it provides is the ability to send a Cease and Desist Letter to debt collector. Federal law allows you to clearly communicate to debt collectors that you want them to stop contacting you — but this request must be made in writing to be legally effective. Simply asking over the phone will not suffice. In this article, we… Read More