Long story short for now I have a lady who owes money and she sen this to me after one e-mail saying she needed to pay. This is written notice to cease and desist further collection activity. Do not send statements, emails or phone. If you are familiar with the fair debt collection practices act, you will know if you send emails, statements or make phone calls after receiving this notice, you will be subject to violation of those laws and fines. I live in Texas and I am thinking this only applies to collection agencies.