Acknowledging your request: Debt collectors can send a single reply to your cease and desist letter confirming that they received it and that they won’t contact you again.Once they receive your letter, they can no longer contact you for any reason, with just two exceptions: You can do so by sending them a cease and desist letter. Per the FDCPA, debt collectors must stop contacting you entirely if you ask them in writing not to.
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Build My Letter Now PDF Word To permanently stop debt collectors: write a cease and desist letter
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The debt collection agency is obligated to respond to your letter with verification of the debt. Use this debt verification letter template if a debt collection agency has contacted you about a debt and you want to dispute it. You can create your letter using the template below: To protect your rights, make sure to send your debt verification letter within 30 days of receiving your debt validation notice (the initial communication that debt collectors are required to send you). Creating and sending a debt verification letter However, it will give you a temporary break that you can use to scrape together money to pay it-or to gather evidence of your own, if you believe you don’t owe the debt and you’re planning to dispute it. Once the debt collector receives your verification letter, they can’t contact you or take any other measures to collect the debt until they provide this.Īssuming you do owe the debt and it’s not a mistake, this won’t permanently get the collector to stop contacting you.
This is a letter that forces the debt collector to provide evidence that you actually owe the debt they’re contacting you about (such as records from the company you originally owed it to). When a debt collector first contacts you, you have 30 days to respond with something called a debt verification letter. To temporarily stop debt collectors: ask for debt verification The FDCPA also gives you the right to tell debt collectors not to contact you, both temporarily and permanently. For instance, the FDCPA forbids collectors from calling you incessantly or at odd hours (before 8 am or after 9 pm).
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How to actually stop debt collectors from contacting youĭebt collectors and debt collection agencies are governed by a law called the Fair Debt Collection Practices Act (FDCPA), which places significant restrictions on when and how they can contact you. If you tell your debt collector to cease and desist over the phone, they don’t have to listen, regardless of whether you use the 11-word phrase or not.įortunately, there are other ways you can stop debt collectors from contacting you, and they’re only a little more complicated than saying the 11-word phrase. What’s more, legally, debt collectors only have to abide by your request if you deliver it in writing. It is true that you have the right to tell debt collectors to stop contacting you, but you don’t need to use any particular wording (that phrase or any others) to do so. Their phrases are variations on the one we gave at the top of this section-”Please cease and desist all calls and contact with me, immediately.” Spiraling off the incident, several blog posts popped up on finance sites claiming to provide the infamous 11-word phrase. Why the 11-word phrases you’ve read online won’t work In actuality, it was just a marketing ploy to boost the book’s sales. His comment on the interview triggered swarms of debtors to search in vain for the exact 11-word phrase. In fact, the purported 11-word phrase doesn’t even show up anywhere in the book. Ulzheimer claimed that on page 43 of the book, there’s a “simple 11-word phrase you can use that makes it so no bill collector can ever contact you again.” He went on to say that “this one single phrase makes it illegal for a debt collector to even dial your phone number.” The 11-word phrase to stop debt collectors was first mentioned in an interview on Larry King’s show in which credit guru John Ulzheimer was promoting the book “Credit Secrets,” which was written by Scott and Alison Hilton.
You might have read other articles that claim the phrase is something like, “Please cease and desist all calls and contact with me, immediately,” but there’s nothing special about this phrase and it won’t necessarily work. What is the 11-word phrase to stop debt collectors from contacting you?Īgain, there’s no 11-word phrase that will always stop debt collectors from contacting you. Is there anything you can say to prevent debt collectors from suing you?.How to actually stop debt collectors from contacting you.What is the 11-word phrase to stop debt collectors from contacting you?.
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