Cease and desist letter can be send either to the original creditor or the collection agency if you think that you do not owe the debt. If your debt have been sold off to the collection agency, and the collection agency disturbs you for the debt without validating it, you can send a cease and desist letter which will stop them from harassing you further. But before sending a cease and desist letter you should be sure that you do not owe the debt as it will move your case into legal status and the creditor can sue you to the court after you send the letter.
Cease and desist letter is not sent if you want to come to a repayment deal with the creditor or the collection agency. If you want to come to a repayment agreement, you should first send a debt validation letter to the creditor or the collection agency to whom your debt has been sold by the original creditor. If they validate the debt within 30 days from the date of receipt of your letter, you can send them a pay for deletion agreement to settle the debt.
Cease and desist letter should not be sent first. As Anthony said, send a DV letter first to check whether you really owe the debt to the creditor or the CA as the case may be. C and D letter can be sent to either the original or the CA whoever disturbs you for the debt without validating the debt. It is a legal letter and as soon as you send this letter, the creditor may sue you to the court.
Cease and desist letter can be send either to the original creditor or the collection agency if you think that you do not owe the debt. If your debt have been sold off to the collection agency, and the collection agency disturbs you for the debt without validating it, you can send a cease and desist letter which will stop them from harassing you further. But before sending a cease and desist letter you should be sure that you do not owe the debt as it will move your case into legal status and the creditor can sue you to the court after you send the letter.
Cease and desist letter is not sent if you want to come to a repayment deal with the creditor or the collection agency. If you want to come to a repayment agreement, you should first send a debt validation letter to the creditor or the collection agency to whom your debt has been sold by the original creditor. If they validate the debt within 30 days from the date of receipt of your letter, you can send them a pay for deletion agreement to settle the debt.
Cease and desist letter should not be sent first. As Anthony said, send a DV letter first to check whether you really owe the debt to the creditor or the CA as the case may be. C and D letter can be sent to either the original or the CA whoever disturbs you for the debt without validating the debt. It is a legal letter and as soon as you send this letter, the creditor may sue you to the court.