Cease and desist under the FDCPA how long does it last?

Section 1692c(c) of the FDCPA -- Fair Debt Collection Practices Act -- is where we get the "cease and desist" or "refuse to pay" concept.

In this video response to a comment, we discuss how long it lasts and three exceptions.

Here's the text of the statute:

(c)Ceasing communication
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
(1)to advise the consumer that the debt collector’s further efforts are being terminated;
(2)to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3)where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Hope this helps!

John

John G. Watts
Watts & Herring, LLC
Representing consumers across Alabama
205-879-2447

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