Cease and Desist Letter Template for Bank, Credit Card, or Line of Credit Debt
If you are receiving collection calls with respect to a loan, line of credit, or credit card, then under federal law, you have the right to send a cease and desist letter to (1) your original creditor, (2) a collection agency acting on its behalf, or (3) a lawyer acting on its behalf.
Copy the letter below or download it as a Word document, fill in the placeholders, and send it by registered mail.
(Your name)
(Mailing address)
(City, Province, Postal Code)
WITHOUT PREJUDICE:
(date)
SENT BY REGISTERED MAIL:
(Name of creditor or collection agent)
(Mailing address)
(City, Province, Postal Code)
RE: Cease and desist letter
Paragraph 6(a) of the Prescribed Debt Collection Practices Schedule in the Financial Consumer Protection Framework Regulations, SOR/2021-181, or Paragraph 9(a) of the Credit Business Practices Regulations, SOR/2009-257
(Account Number)
(Name of creditor)
Dear Sir/Madam,
Without admitting any liability, I am writing you in connection with the above-mentioned account.
Pursuant to the above-noted federal regulations, you are only to communicate with me in writing.
If my creditor, or its authorized collection agent, contacts me by telephone, following receipt of this letter I will take appropriate action including, but not limited to, filing a formal written complaint with the appropriate regulator as well as seeking legal advice in connection with commencing a civil lawsuit.
Govern yourself accordingly,
(Your signature)
(Your Name)
Mark spent 12 years as a collection lawyer for some of Canada's largest collection agencies before switching sides to help consumers. He's the author of The Wolf At The Door: What To Do When Collection Agencies Come Calling, published by McClelland & Stewart. See full bio