11 magic words to erase debt. . ” ” You can use this phrase over the phone, in an email or letter, or both. Nov 30, 2023 · “Please cease and desist all calls and contact me, immediately. The notion of an 11 word phrase to stop debt collectors is pretty much an Internet myth. May 21, 2023 · Find out the 11 word phrase to stop debt collectors from calling you and learn how to get debt relief help to pay it off your faster. Yes, it can halt direct communication under the Fair Debt Collection Practices Act (FDCPA). No, it does not erase debt, prevent lawsuits, or repair credit. ” Those 11 words trigger specific legal obligations for debt collectors. The Fair Debt Collection Practices Act (FDCPA) gives you the right to tell a debt collector to stop calling you—even if the debt in question is yours. That is false. Apr 18, 2023 · Numerous websites claim there is a magic 11 word phrase to stop debt collectors from collecting debts. ” These are the 11 magic words that can stop debt collectors in their tracks. ” This phrase, dubbed the “11-word trick,” is often touted online as a magic bullet to stop debt collectors cold. Just because you can, doesn’t mean you should. Aug 22, 2025 · “Please cease and desist all calls and contact with me, immediately. However, understanding when and how to use this powerful tool requires careful consideration of your circumstances and goals. It was created and perpetuated by individuals and marketing companies to sell advertisements and books. See full list on solosuit. com Jun 11, 2025 · “Please cease and desist all calls and contact with me, immediately. May 14, 2024 · Use these 11 words to put an end to debt collectors who are constantly attempting to get you to pay what you owe them: “Please cease and desist all calls and contact with me immediately. uedebty pleo seghe htqer rik disignr hztlv qilyy zxi vzk