Cease and desist letter templates

In most Canadian provinces, you have the legal right to demand that a collection agency stop calling you and communicate only in writing. Once you send the appropriate letter, the collector must comply or face regulatory consequences.

Each province has different laws governing debt collection. These templates cite the specific statute or regulation for your jurisdiction, making them legally effective.

These templates were created by Mark Silverthorn, a former collection lawyer who spent 12 years working for some of Canada's largest collection agencies before switching sides to help consumers.