Letter contributed by sparq: ******************************** <Your name> <Your address> <Your city, state, and ZIP> <CA's name> <CA's address> <CA's city, state, and ZIP> <Today's date> RE: <Account information, EXACTLY as provided by the CA> Dear <CA's name> It is inconvenient for me to receive telephone calls. Please conduct all communication in writing to my address above. Sincerely <Your name - DO NOT SIGN> - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - sparq: This obligates the debt collector to stop calling and communicate only in writing. Unlike a "cease & desist" letter, this one is usually safe for most people to send at any time.
