Stop Contact Letter to Debt Collector - Protections under the Servicemembers Civil Relief Act

Sep 16, 2026

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Sample stop-contact letter packet for debt collectors, created to help servicemembers and individuals with military connections respond to alleged debts. Includes sections for demanding cessation of contact when unable to pay, disputing the alleged debt and requesting verification, and requesting interest relief when interest exceeds 6% under the Servicemembers Civil Relief Act (SCRA). Provides guidance based on the Fair Debt Collection Practices Act and explains possible complaints and enforcement options with federal agencies and courts.

LanguageEnglish

CategoryLetters

FormatPDF

Pages4

Reading Time2 min

AccessFree to download

Packet Contents

Sample Letter to Credit Collector

Helpful Instructions

More Information

Letter Sections

If You Are Unable to Pay

If You Dispute the Alleged Debt

If Your Interest Rate Is Above 6%

StatesideLegal Stop Contact Letter to Debt Collector (Protections under the Servicemembers Civil Relief Act) | This self-help resource was created by StatesideLegal. StatesideLegal provides our sample forms and information free of charge to individuals with military connections (IMC) . These forms are not based upon any specific state law or jurisdiction. This packet is based on the Fair Debt Collection Practices Act and is intended as a sample to assist individuals with military connections.
READ ALL INSTRUCTIONS IN THIS PACKET VERY CAREFULLY.
PACKET CONTENTS:
Sample Letter to Credit Collector ______________________________________2
Helpful Instructions ________________________________________________4
MORE INFORMATION
For information about the Servicemembers Civil Relief Act or many more topics concerning individuals with military connections, [visit](visit www.statesidelegal.org)[ ](visit www.statesidelegal.org)[www.statesidelegal.org](visit www.statesidelegal.org) or contact your local Judge Advocate General's Corps office, sometimes referred to as a military legal assistance office. Use the following website to locate the nearest one: [https://legalassistance.law.af.mil/](https://legalassistance.law.af.mil/) . | | --- | | DISCLAIMER: The Stateside Forms Project is produced by the Pine Tree Legal Assistance and the Legal Services Corporation. These organizations promote or provide free legal services to eligible low-income people. Additional information can be found at [www.lsc.gov. This](www.lsc.gov. This) sample form packet is given to you as a guide to help you generally understand the way legal matters are handled. Local courts interpret things differently. The information and statements of law contained in this fact sheet are not intended to be used as legal advice. Before you take any action, talk to an attorney and follow their advice. Always do what the court tells you to do.
- | SERVICE MEMBER NAME ADDRESS CITY, STATE ZIP DATE COLLECTION AGENCY ADDRESS CITY, STATE ZIP RE: Debtor: Creditor: Account \#: To Whom it May Concern: Your company recently contacted me in regards to the above-referenced alleged debt. USE THIS SECTION IF YOU ARE UNABLE TO PAY: At the present time I am unable to pay the alleged debt. Accordingly, pursuant to the provisions of the Federal Fair Debt Collections Practices Act, 15 U.S.C. § 1692c(c), I hereby demand that you cease any further attempts to contact me, my family, or any third party regarding this alleged debt other than for purposes of verifying the debt. Should you fail to comply with this instruction, I am prepared to file a complaint with the (state) Attorney General, Federal Trade Commission, Bureau of Consumer Financial Protection, as well as pursue your violations of the Fair Debt Collections Practices Act in federal court. Your cooperation will be appreciated. This is not in any way an acknowledgement that I owe this alleged debt. USE THIS SECTION IF YOU DISPUTE THE ALLEGED DEBT: I do not believe I owe this alleged debt and I ask that you verify it. Accordingly, pursuant to the provisions of the Federal Fair Debt Collections Practices Act, 15 U.S.C. § 1692c(c), I hereby demand that you cease any further attempts to contact me, my family, or any third party regarding this alleged debt. Should you fail to comply with this instruction, I am prepared to file a complaint with the (state) Attorney General, Federal Trade Commission, Consumer Financial Protection Bureau, as well as pursue your violations ofthe Fair Debt Collections Practices Act in federal court. Your cooperation will be appreciated. This is not in any way an acknowledgement that I owe this alleged debt. USE THIS PARAGRAPH IF YOU INTEREST RATE IS ABOVE 6% AND ALL OF THE FOLLOWING IS TRUE. IF NOT ALL OF IT IS TRUE TO YOUR SITUATION, DELETE THIS SECTION The Servicemembers Civil Relief Act, 50 U.S.C. § 3937, sets a six percent (6%) per annum ceiling on in

FAQs

What should a debtor demand from the collection agency if they cannot pay?

The letter demands that the agency cease further contact with the debtor, family, or any third party regarding the alleged debt, except for verifying the debt.

How does the letter request verification if the alleged debt is disputed?

It states the debtor does not believe they owe the alleged debt and demands the collector stop contacting them and verify the debt.

What protection applies when interest exceeds 6% under the SCRA?

The letter states that the SCRA imposes a six percent per annum ceiling on interest charges during military service for qualifying obligations, and it informs the collector that the debt amount accrued due to interest above the limit must be forgiven.

Sep 16, 2026

Upload by Logic