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.
Copy the letter below or download as a Word document, fill in the placeholders, and send 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
Subsection 7(9), federal 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 paragraph 7(9)(a) of the federal Credit Business Practices Regulations, SOR/2009-257, you are only to communicate with me in writing.
If my creditor, or its authorized collection agent, contact 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