Letter

Stop-contact letter

Tell a debt collector to stop contacting you — or to contact you only the way you choose.

Your details

Fill in what you know — anything blank stays highlighted in the letter.

Your name

Your mailing address

Today's date

Debt collector's name

Debt collector's mailing addressUse the dispute address on their notice, if it gives one.

Account or reference number (optional)

When they contacted you (optional)For example: a letter dated October 1, 2026.

What do you want?

Also record that I dispute this debt

[Your name]
[Your address]

[Date]

[Debt collector's name]
[Debt collector's address]

Dear [Debt collector's name],

I am responding to your contact about a debt you are trying to collect.

Please stop all communication with me about this debt (12 CFR 1006.6(c)).

Thank you for your cooperation.

Sincerely,

[Your name]

Fill in the highlighted blanks before you send it.

Stopping contact doesn't cancel the debt — the collector can still sue or report it. If you think you don't owe it, dispute it first.
If the debt is your mortgage, stopping contact can mean you don't hear about options to avoid foreclosure.
Send it by certified mail with a return receipt, and keep a copy.

Nothing you type here is saved or sent anywhere.