Your Name
Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

Names of Each Debt Collector Employee Involved
Name of Debt Collection Agency
Address on Agency Letterhead
City, State ZIP Code

RE: File No. ###
Account No. ###
Creditor's Account No. ###
NOTICE OF REFUSAL TO PAY

To the Management of this Collection Agency and the above-noted employees:

I refuse to pay this debt.

Please note in your computer records receipt of this letter and my intent to record phone calls, and inform your debt collectors. Your prompt cooperation is appreciated.

Sincerely,

/sign/

YOUR NAME