Confirm the statute of limitations on your debtĭebts have a limited period of time where debt collectors can file a lawsuit against you or try to recover the money. READ MORE: Did you receive a debt validation letter? 2. If you haven’t received one already, contact the collector and request it be sent immediately.

The name of the creditor you supposedly owe money to.

Debt collectors are required to send you a debt validation letter that includes information like: Request a debt validation letterįirst things first you want to ensure that the debt you’re being asked to pay is actually yours.

Here are eight ways to stop collections efforts: 1. The FDCPA also gives you the right to instruct debt collectors not to contact you. or after 9 p.m.) and they can‘t use abusive language. For example, the FDCPA forbids collectors from calling you at inconvenient hours (before 8 a.m. 8 ways to actually make debt collectors to stop callingĭebt collectors and debt collection agencies are governed by the Fair Debt Collection Practices Act (FDCPA), which places legal 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.įortunately, there are better ways to stop debt collectors from contacting you. What’s more, legally, debt collectors only have to abide by your request if you deliver it in writing, which is why the “magic” of the 11-word phrase is a myth. 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. This was simply a marketing ploy to boost the book’s sales, but it gave thousands of people false hope as they searched for information on this topic.Īfter that, countless blog posts popped up claiming to provide the notorious 11-word phrase. The phrase doesn’t even appear in the book. Ulzheimer stated in the interview 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 also stated that “this one single phrase makes it illegal for a debt collector to even dial your phone number.” Credit guru John Ulzheimer was promoting the book “Credit Secrets,” which was written by Scott and Alison Hilton. It was first mentioned in an interview on Larry King’s show. Just like anyone else would, you want the contact to stop. How the debt collection call myth got startedĬalls or letters from debt collectors can be annoying, scary and sometimes border on outright harassment. Be clear that you don’t wish the agency or creditor to call you ever again, for whatever reason. Specify that they must stop any contact as of that moment. While you have the right to demand that collection agencies and debt collectors stop calling you, it must be done in writing. So what can you do to stop debt collector calls that actually works? Requests to stop debt collector calls must be done in writing It’s a rumor that got its start on Larry King Live. There’s nothing special about that phrase. Supposedly, it will force them to stop calling. You’ll see countless posts online telling you to use this phrase when a debt collector calls. “Please cease and desist all calls and contact with me immediately.” Does this phrase work? The 11-word phrase to stop debt collector calls What to do if you feel your rights have been violated.Can you stop debt collectors from suing you?.Offer to make a small payment if they stop collection efforts Review your credit reports to confirm that the debt is valid Confirm the statute of limitations on your debt 8 ways to actually make debt collectors to stop calling.How the debt collection call myth got started.Requests to stop debt collector calls must be done in writing.The 11-word phrase to stop debt collector calls.

Yes maybe their book is a bit pricey, but it’s totally worth every penny. Just know that I’m highly grateful to these people and I do believe they had nothing but good intentions for folks. Not sure why these people are saying it’s a scam? Maybe they’re saying that information is already out there not sure. My credit score has jumped from 512 all the way to 643 now that I’ve started to actually read the book and implement its teachings. However o did purchase the Credit Secrets book by Scott and Alison Hamilton-I think that’s their name. Yo I’m not sure what all these people are saying this is a scam for because I haven’t done this video thing yet. My score went from 512- 643 after reading their books.

Credit secrets 11 word phrase