A Cease Communication letter is a very effective tool that most people don’t know much about. Under the Fair Debt Collection Practices Act, you have the right to ask your creditors to stop calling you, and you make that request through a simple form letter called a Cease Communication letter. You can easily find the form letter template online. Basically, the letter says to the creditor, “Please don’t call me anymore. If you want to communicate with me with respect to this debt, please do so in writing at the following address.” You send the letter to them via certified mail, and they are required by law to abide by it. So obviously you’ll still get letters and notices from your creditors in the mail, but you won’t have to deal with their phone calls anymore.