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A Cease And Desist Collection Agency letter is a crucial legal instrument used in the Philippines when an individual or business needs to formally demand that a collection agency stop its collection efforts. This document becomes necessary when collection practices may be harassment, when the debt is disputed, or when collection attempts violate Philippine consumer protection laws. The letter must comply with local regulations, including the Consumer Act of the Philippines and BSP guidelines, while clearly stating the demand to cease collection activities. It should detail the specific debt in question, document any inappropriate collection practices, and outline the legal consequences of non-compliance. This document type is particularly important in the Philippine context where consumer protection in financial services is governed by specific regulatory frameworks and where formal written notices are often required for legal proceedings.

1. Sender Information and Date: Complete contact details of the sender including name, address, and contact information, along with the current date

2. Recipient Information: Full details of the collection agency including company name, address, and if known, the specific department or representative

3. Subject Line: Clear identification as a 'Cease and Desist Notice' with any relevant account or reference numbers

4. Debt Information: Specific details about the alleged debt, including account numbers, dates, and amounts in question

5. Statement of Dispute: Clear statement disputing the debt and/or the collection agency's right to collect

6. Legal Basis: Citation of relevant laws and regulations that protect the sender's rights

7. Cease and Desist Demand: Explicit demand to cease all collection activities with specific actions required

8. Consequences: Statement of legal actions that will be taken if the collection agency fails to comply

9. Response Timeline: Specific deadline for the collection agency to respond or comply with the demand

10. Formal Closing: Professional closing with signature block and any relevant professional titles