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The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why a phone request is easy to ignore
Responsibilities attach when the request is received in writing, and a collector that keeps calling after receipt creates the evidence itself.
You can still be sued, and the debt does not disappear — the request changes the contact, not the obligation. That is worth stating plainly.
The protocol
- Write the request plainly: identify the account and say all contact must be in writing.
- Send it by a method with tracking, and keep the receipt and the copy.
- Note the date it was received and any contact after that date.
- If calls continue, log them and add them to the same record.
- Escalate with the log if the request is not respected.
What the tool does
Build a cease-contact letter record It runs locally in this browser and sends nothing.
Limit first: This is a record-keeping and dispute-drafting aid, not legal or financial advice. It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Open the companion tool →Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Rule status (mixed route): Status, 2026-10-03: cease-communication rules under Regulation F are in force; a written request changes how they may contact you, not whether the debt exists, and narrow exceptions still permit contact.
Automated decision this documents: automated collection contact scheduling and consent tracking
Free path, in order (no cost):
- CFPB's debt-collection complaint route
- Your state attorney general's consumer division
- NACA's lawyer directory for FDCPA representation, often at no upfront cost
What this cannot do: It cannot cancel a debt, stop all collection calls, or guarantee that a dispute is upheld.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
Send the request by trackable mail, keep the delivery confirmation, and log every contact afterwards — that log is the evidence a regulator or a lawyer needs.
Research log and safety checks
AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.
§0.5 protection result: category is debt-credit-and-collections; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.