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The letter demands disclosure of the original creditor, the basis for the collector’s claim, all debt owners, the amount and age including interest and late fees, and the collector’s authority. It orders an end to all calls and communications, limits contact to written submissions, cites Washington RCW time limits, references related court and fee rules, and asserts protections under FDCPA and Dodd-Frank.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/cease-desist-letter-request-for-debt-verification-and-stop-collection-calls/275603/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/cease-desist-letter-request-for-debt-verification-and-stop-collection-calls/275603.png","ImageObject",442,249,{"name":88,"@type":89},"Blaney","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-29","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",13,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What does the letter require the collector to provide?","Question",{"text":109,"@type":110},"The collector must mail a written debt verification letter including the original creditor’s identity and contact details (if applicable), the reason the collector believes the client owes the debt, a record of all owners of the debt, the amount and age of the debt including interest and late fees, and the collector’s authority to collect.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"How should communication with the client be handled?",{"text":114,"@type":110},"All calls and communications are to cease. Voice mail messages will not be returned, and communication regarding debt collection must be directed to the law office in writing only.",{"name":116,"@type":107,"acceptedAnswer":117},"What legal protections and time limits does the letter cite?",{"text":118,"@type":110},"The letter cites Washington RCW 4.16.040 for a six-year limitation from the date of the last payment and references the Fair Debt Collection Practices Act (FDCPA) and the Dodd-Frank Act as prohibiting unfair, deceptive, or abusive conduct by debt collectors.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},275603,1790046253,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":4},1236954677761,"https://us-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","CHRISTOPHER SEAN MULVANEY ATTORNEY-AT-LAW  \n14205 SE 36TH ST. STE. 100  WWW.MULVANEYLAWOFFICES.COM  CHRIS@ATTORNEYMULVANEY.COM  \nBELLEVUE WA 98006-1553 FACSIMILE: (425) 223-3197  \nThe validity of the debt is disputed.  \nPlease mail a written debt verification letter including the following documentation to my office  .  \n1. the name and contact information of the original creditor, if applicable;  \n2. why the collector believes my client owes the debt;  \n3. a record of all owners of the debt;  \n4. the amount and age of the debt including interest and late fees; and  \n5. the authority the collector has to collect.  \nOn my Client's behalf, my office demands that you  cease and desist all calls and communication with my Client, Client's family, or contacts, references, friends, neighbors or acquaintances, and direct all communication regarding debt collection to my office in writing. No calls. Voice mail messages will not be returned. My Client does not acknowledge the validity of the debt, and does not intend to pay. Under Revised Code of Washington (RCW) 4.16.040, if a legal action is not commenced within six (  6) years of the date of the last payment, then the claim is barred.  \nIf you have already served my client with an unfiled summons & complaint, then this letter constitutes a demand to file within fourteen (  14) days. Pursuant to Washington Superior Court Civil Rule 3, upon written demand by any other party, the plaintiff instituting the action shall pay the filing fee, and file the summons & complaint within fourteen ( 14) days after service of the demand or the service shall be void.  \nThe Fair Debt Collection Practices Act (FDCPA) and the Dodd-Frank Wall Street Reform and  Consumer Protection Act (Dodd-Frank Act) prohibit unfair, deceptive, or abusive acts or practices by debt collectors.  \nThe A ct applies to original creditors, not just third-party debt collectors. If applicable, I have instructed my clients to file complaints with the Washington State Attorney General, the Washington State Department of Financial Institutions, and the Consumer Financial Protection Bureau (CFPB) if contact does not cease. My Client intends to send this same cease and desist demand to any collection agencies to whom the debt is sold asserting their rights. I ask on behalf of my Client that you write this account off as uncollectible, and make no further efforts to collect. Thank you.  \nYours truly,  \nMULVANEY LAW OFFICES, PLLC  \nChristopher S. Mulvaney  \nFor the Firm  \nMulvaney Law Offices, PLLC is a \"debt relief agency\" under Federal Law because we help people file cases under the U.S. Bankruptcy Code.  \nI DO NOT REPRESENT THE SENDER OF THIS LETTER IN ANY LITIGATION.  \n I WILL NOT ACCEPT SERVICE. CREDITORS CAN VERIFY VALIDITY BY EMAIL OR FAX.  \nTHE SCOPE OF SERVICE IS LIMITED TO REDIRECTING COMMUNICATION AWAY FROM MY CLIENT TO MY OFFICE IN WRITING, VERIFICATION OF THE DEBT, AND EITHER MAKING A SETTLEMENT OFFER OR FILING BANKRUPTCY IF NECESSARY.","cbCailmnAQrYD6Fn","https://ap.wps.com/l/cbCailmnAQrYD6Fn","pdf",146632,"English","# Cease-and-Desist Demand\n## Debt Verification Requirements\n## Stop Calls and Written Communication Only\n## Legal Time Limits and Debt Collection Protections","[{\"question\":\"What does the letter require the collector to provide?\",\"answer\":\"The collector must mail a written debt verification letter including the original creditor’s identity and contact details (if applicable), the reason the collector believes the client owes the debt, a record of all owners of the debt, the amount and age of the debt including interest and late fees, and the collector’s authority to collect.\"},{\"question\":\"How should communication with the client be handled?\",\"answer\":\"All calls and communications are to cease. Voice mail messages will not be returned, and communication regarding debt collection must be directed to the law office in writing only.\"},{\"question\":\"What legal protections and time limits does the letter cite?\",\"answer\":\"The letter cites Washington RCW 4.16.040 for a six-year limitation from the date of the last payment and references the Fair Debt Collection Practices Act (FDCPA) and the Dodd-Frank Act as prohibiting unfair, deceptive, or abusive conduct by debt collectors.\"}]","Cease-Desist Letter - Request for Debt Verification and Stop Collection Calls | PDF",1789488488]