How many missed calls from unknown numbers can we ignore before it starts affecting our daily lives? If your phone’s buzzing constantly with demands for payment, you’re not alone.

If the constant pressure is making it hard to focus, sleep, or breathe—there’s a legal way to stop it.

At the Law Office of Joel Gonzalez, we help people throughout Corpus Christi and the surrounding areas protect their rights and push back against debt collectors who overstep. One of the simplest first steps? A cease-and-desist letter.

In this blog, we’ll explain when to send one, what it should say, and how this simple letter can stop debt collection harassment in its tracks.

What Does a Cease-and-Desist Letter Do?

Under federal and Texas law, once we send a written request telling a debt collector to stop contacting us, they must comply. The Fair Debt Collection Practices Act (FDCPA) makes it illegal for them to keep calling or writing, except in limited situations (like notifying us of a lawsuit).

Here’s what a cease-and-desist letter can help with:

  • Ending repeated phone calls
  • Stopping harassing letters or texts
  • Preventing contact at work or odd hours
  • Reducing emotional stress and anxiety

When Should We Send It?

We should only send this letter if:

  • We’ve already received contact from a debt collector
  • The debt is older or in dispute
  • We no longer wish to talk with them directly

If a medical debt collection agency keeps calling—even when we’ve asked them to stop—or if we’re facing constant pressure over a disputed balance, this letter creates a paper trail and demands accountability.

Learn why ignoring debt collectors can cost you. (please link to LFPA3)

What Should Be in the Letter?

A good cease-and-desist letter should include:

  • Our name and address
  • The name of the debt collector or agency
  • A statement requesting that all contact be stopped immediately
  • A reference number, if available
  • Our signature and the date

What Happens After Sending the Letter?

Legally, debt collectors must:

  • Stop contacting us altogether (except to confirm they’re ending contact or suing)
  • Respect our written request—or risk legal action

If they continue to harass us after receiving the letter, it may be time to speak with a debt collection relief attorney in Texas.

A person looking at debt notices
Secure your rights and stop debt collection harassment with help from legal professionals

Tired of the Calls? Here’s What to Do Next

If sending a cease-and-desist letter doesn’t stop the harassment—or if you’re facing a debt collection lawsuit in Corpus Christi—you don’t have to handle it alone. Attorney Joel Gonzalez helps individuals fight back against abusive debt collectors and find real solutions through a debt relief service in Texas that puts your peace of mind first.

Call the Law Office of Joel Gonzalez at (361) 654-DEBT today for a consultation and get the help you need to stop debt collectors from controlling your life.