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What is the 11-Word Phrase to Stop Debt Collectors?
by
JG Wentworth
•
July 26, 2024
•
6 min
Dealing with debt collectors can be a stressful and overwhelming experience. Many consumers feel helpless when faced with persistent calls and letters demanding payment. However, there’s a powerful tool at your disposal that can help you regain control of the situation: an 11-word phrase that can effectively stop debt collectors in their tracks.
Sounds like magic, right? Thankfully, there’s no spell required. In this blog, we’ll explore this phrase, its origins, how to use it, and what it means for your rights as a consumer.
This information is provided for educational and informational purposes only. Such information or materials do not constitute and are not intended to provide legal, accounting, or tax advice and should not be relied on in that respect. We suggest that You consult an attorney, accountant, and/or financial advisor to answer any financial or legal questions.
The 11-word phrase
The phrase in question is: “Please cease and desist all calls and contact with me, immediately.” These 11 words, when used correctly, can provide significant protection against aggressive debt collection practices.
Origin and legal basis
This phrase derives its power from the Fair Debt Collection Practices Act (FDCPA), a federal law enacted in 1977 to protect consumers from abusive debt collection practices. The FDCPA gives consumers the right to request that debt collectors stop contacting them, and collectors are legally obligated to comply with this request.
How it works (in a nutshell)
When you use this phrase, you’re essentially invoking your rights under the FDCPA. Once a debt collector receives this request (preferably in writing), they must cease all communication with you, with only a few exceptions. For instance, they can only contact you to inform you of specific actions, such as filing a lawsuit.
Proper usage
While the phrase is powerful, it’s crucial to use it correctly:
- Put it in writing: While you can say this phrase over the phone, it’s best to send it in writing via certified mail with a return receipt. This provides proof that the collector received your request.
- Be specific: Include details about the debt in question, including account numbers if available.
- Keep records: Maintain copies of all correspondence and delivery confirmations.
Potential consequences
Keep in mind that this phrase is no silver bullet. While it can be helpful in alleviating the more aggressive pursuits of collectors, it’s important to understand it doesn’t erase the debt. The collector may still pursue legal action to collect what is owed.
Additionally, using this phrase might accelerate legal proceedings, as it removes the option for negotiation through direct communication. So, unless you’re prepared to be slapped with a lawsuit, you might want to reconsider using these 11 words.
Alternative approaches
While the 11-word phrase is effective, there are other strategies you can consider:
- Debt validation: Request that the collector provide proof that you owe the debt.
- Negotiation: Try to settle the debt for less than the full amount owed.
- Payment plan: Attempt to set up a manageable repayment schedule.
Your rights under the FDCPA
Regardless of your strategy in dealing with collectors, understanding your rights is crucial. The FDCPA prohibits debt collectors from:
- Calling before 8 a.m. or after 9 p.m.
- Using harassment or abuse
- Making false statements or using unfair practices
- Contacting you at work if you’ve told them not to
When to seek professional help
If you’re overwhelmed by debt or facing persistent harassment despite using the 11-word phrase, consider seeking help from:
- A consumer protection attorney
- A credit counseling agency
- A financial advisor
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Would you rather someone else deal with collectors for you?
If you have $10,000 or more in unsecured debt, there’s a good chance you’ll qualify for the JG Wentworth Debt Relief Program.* Here’s the basics:
- When you call us for a free consultation, your personal Debt Specialist will help you develop a repayment plan tailored to your unique financial situation.
- You’ll make just one program payment each month toward repaying your enrolled debts.
- Sit back and relax while our trained team negotiates with your creditors. You can check in on your negotiation status and repayment progress anytime with our convenient online platform.
Oh, and did we mention we only get paid when we settle your debt? If you think you qualify for our program, give us a call today so we can go over the best options for your specific financial needs. Why go it alone when you can have a dedicated team on your side?
The bottom line
The 11-word phrase to stop debt collectors is a powerful tool, but it’s just one aspect of managing your debts and protecting your rights. Use it wisely, understand its implications, and don’t hesitate to seek professional advice if needed. Remember, you have rights as a consumer, and knowledge of these rights is your best defense against unfair debt collection practices.
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* Program length varies depending on individual situation. Programs are between 24 and 60 months in length. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 43% before our 25% program fee. This is a Debt resolution program provided by JGW Debt Settlement, LLC (“JGW” of “Us”)). JGW offers this program in the following states: AL, AK, AZ, AR, CA, CO, FL, ID, IN, IA, KY, LA, MD, MA, MI, MS, MO, MT, NE, NM, NV, NY, NC, OK, PA, SD, TN, TX, UT, VA, DC, and WI. If a consumer residing in CT, GA, HI, IL, KS, ME, NH, NJ, OH, RI, SC and VT contacts Us we may connect them with a law firm that provides debt resolution services in their state. JGW is licensed/registered to provide debt resolution services in states where licensing/registration is required.
Debt resolution program results will vary by individual situation. As such, debt resolution services are not appropriate for everyone. Not all debts are eligible for enrollment. Not all individuals who enroll complete our program for various reasons, including their ability to save sufficient funds. Savings resulting from successful negotiations may result in tax consequences, please consult with a tax professional regarding these consequences. The use of the debt settlement services and the failure to make payments to creditors: (1) Will likely adversely affect your creditworthiness (credit rating/credit score) and make it harder to obtain credit; (2) May result in your being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money you owe due to the accrual of fees and interest by creditors or debt collectors. Failure to pay your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors will agree to reduce principal balance, and they may pursue collection, including lawsuits. JGW’s fees are calculated based on a percentage of the debt enrolled in the program. Read and understand the program agreement prior to enrollment.
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