I agree about the cease and desist letter

I would hold off on sending that because once they receive your validation letter, they can’t contact you until after they validate the debt, so they will temporarily be off you back with just the validation letter. Rather than a cease and desist (which means they can’t contact you at all) you can write them and request they only contact you in writing – no phone calls.

I’m glad you found a lawyer who will talk to you free of charge. Be sure to mention you believe they are violating the Fair Debt Collection Practices Act. Discrimination probably isn’t illegal in the debt collection world, but telling you they will take your vehicle as payment for your debt is.

Keep us posted!


I plan on sending two letters on Monday, one a validation letter which I have a sample copy of and one a cease and desist letter which I also have a sample copy of. The sad part is that by the time that validate the debt I should have enough for their settlement amount as my husband is back to work and making very good money right now. I am calling a lawyer on Monday also because she mad me so mad when she suggested I shouldn’t be feeding my kids first and told me she wasn’t waiting for “tax time” just because I had gone and had all those dependents (we have 4 including my stepson). That right there to me is discrimination on top of abuse. The lawyer offers a 20 minute free consultation so I’m taking it. Thanks for all of the information.