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After receiving this request, the debt collector must stop contacting you. To exercise this right, you must send a written request to the debt collector stating that you wish to cease all communications. This is sort of where the 11 word phrase to stop debt collectors came from. Under the FDCPA, you have the right to request that a debt collector stop contacting you.

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How to actually stop debt collection communications

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Speak with our attorneys for free to find out how we can help you! Stop All Debt Collection Communications Today It is important to note that these rights apply only to third-party debt collectors (i.e., companies that collect debts on behalf of others), not to original creditors who are collecting their own debts.

The right to sue a debt collector: If a debt collector violates the FDCPA, you have the right to sue them in state or federal court for damages and attorney’s fees.

The right to request that the debt collector stop contacting you: If you request that the debt collector stop contacting you, they must comply with your request (with a few exceptions, such as to notify you of a lawsuit).

The right to control how and when debt collectors contact you: Debt collectors must respect your preferred methods of communication and cannot contact you at inconvenient times or places.

The right to dispute the debt: If you dispute a debt, the debt collector must cease collection activities until they have verified the debt and provided you with written proof of the debt.

The right to accurate information: Debt collectors must provide accurate information about the debt being collected, including the amount owed and the name of the original creditor.

The right to be treated with respect and fairness: Debt collectors are prohibited from using abusive language or harassment, making false statements, or engaging in other unfair or deceptive practices.

Under the Fair Debt Collection Practices Act (FDCPA), consumers have several rights when dealing with debt collectors. You have rights under the Fair Debt Collection Practices Act No one seemed to care that it was not just fake news but harmful to consumers. Once the 11 word phrase to stop debt collectors was mentioned on television the blog writers took it from there. it was just a marketing ploy to sell more books. Ulzheimer actually lied and said the 11 word phrase to stop debt collectors was found in the book when it wasn’t. The start of the 11 word phrase to stop debt collectors came from John Ulzheimer who was promoting the book “Credit Secrets” on the Larry King Show. Where the 11 word phrase to stop debt collectors came from? in other words, instead of helping you stop debt collectors those websites are using you and actually hurting your true chance of stopping the debt collection. As long as people keep searching for the phrase it will keep coming up on pages trying to sell you services and show you advertisements. Why is the 11 word phrase to stop debt collectors myth still alive? Using the 11 word magic phrase should stop all collection calls but only when communicated to the collector in writing.

Remember, verbally telling the collection agency to stop calling does nothing. Just keep in mind that even those magic words will only stop communications. Keep reading for examples of how to use true magic words to completely stop debt collection contacts.

It just won’t stop the actual collection process. If all you want to do is stop collection calls, emails, texts, or letters the 11 word magic phrase should actually work. If you could simply utter some magic words to stop them they would never be able to collect. Debt collectors are entitled by law to collect the debt. The answer to why the 11 word phrase doesn’t stop collection actions should be obvious. In case you are wondering what the 11 word phrase to stop debt collectors is supposed to be its “ Please cease and desist all calls and contact with me immediately.” Why doesn’t the 11 word phrase actually stop debt collectors? The truth is that there are no magic words to stop a debt collector from collecting the debt. It was created and perpetuated by individuals and marketing companies to sell advertisements and books. The notion of an 11 word phrase to stop debt collectors is pretty much an Internet myth. Numerous websites claim there is a magic 11 word phrase to stop debt collectors from collecting debts.