Photo: Monstera

What is the 11 word phrase to stop debt collectors?

solosuit.com - Use This 11 Word Phrase to Stop Debt Collectors | SoloSuit Blog

What does 40x wager mean?

40x wagering requirements This means you must bet your bonus 40 times before it can be withdrawn. Example: Let's say you get a promotion of £50....

Last updated Aug 15, 2020

Is it better to bet bigger on slot machines?

It's now mostly stake-based winning However, progressive slots are not as famous as it was before. Instead, most slot games now calculate payout...

Last updated Apr 1, 2021

Make Your Bookie Cry And Pull The Hair By Generating $23,187

Promotion

Use This 11 Word Phrase to Stop Debt Collectors

Chloe Meltzer | October 19, 2022

Summary: “Please cease and desist all calls and contact with me, immediately.” These are 11 words that can stop debt collectors in their tracks. If you're being sued by a debt collector, SoloSuit can help you respond and win in court. How does the 11-word credit loophole actually work? The 11-word phrase has been making the rounds on the Internet as a way to get debt collectors off your back. However, you should be aware that this phrase may not be effective in all situations. If you are being pursued for a debt, you might be scared and stressed out. Try not to let all of the debt collector's badgering calls get to you. If you need to take a break, you can use this 11-word phrase to stop debt collectors:

“Please cease and desist all calls and contact with me, immediately.”

Here is what you should do if a debt collector is contacting you If a debt collector contacts you, then not responding is an option, but it is not a good option. Ignoring calls is one thing, but ignoring a Summons is a bad idea. You should find out if you actually owe the debt and if the statute of limitations is still active. The one thing you must never do is confirm the debt is yours. This can be used against you in court. However, it is a good idea to force debt collectors to validate the debt before it gets taken to court by sending a Debt Validation Letter. This document forces the debt collectors to verify the information they have about the debt. Many collectors give up after receiving a debt validation request.

What is the 11-word phrase credit loophole?

You can say a number of things to stop debt collectors from phoning you. You have the right to instruct a debt collector to stop calling, even if the debt they are contacting you about is yours. Your goal is to get the collector to stop calling and contact you via written communication. Remember, these are the 11 magic words to stop debt collectors: ”Please cease and desist all calls and contact with me, immediately.”

What the law says about debt collector calls

Due to the long history of abuse by debt collectors, the U.S. government created the Fair Debt Collection Practices Act (FDCPA) to protect your rights as a consumer. This rule explains what is allowed and not allowed in debt collection practices and calls from debt collectors.

According to the FDCPA, debt collectors cannot:

Call before 8 a.m. or after 9 p.m.

Use vulgar or obscene language to intimidate you.

Threaten to take legal action that they cannot or do not plan to take.

Pretend to be a police officer or judge.

Discuss your debt with anyone other than you, your spouse, or your attorney. Call you at your workplace when they know your employer prohibits such communications. Tell you that you will be arrested if you do not pay off your debt.

Sue for you a debt that is past the statute of limitations.

If a debt collector uses any of these tactics against you, and then files a lawsuit, you may be eligible for compensation. You can consider filing a counterclaim where you explain that the debt collector violated your rights under the FDCPA. You may also consider reporting the behaviors to the FTC or the CFPB.

Don't ignore a debt collection lawsuit. Respond fast with SoloSuit.

Outsmart debt collectors

When a debt collector contacts you, there are certain steps you can take to protect yourself and outsmart them. Most consumers don't know how to communicate with debt collectors without making the situation worse, and debt collectors know this. They are counting on you to be ignorant of ways to protect yourself from their schemes.

You can outsmart debt collectors by following these tips:

Keep a record of all communication with debt collectors.

Send a Debt Validation Letter and force them to verify your debt.

Write a cease and desist letter.

Explain the debt is not legitimate.

Review your credit reports.

Explain that you cannot afford to pay.

See if they have your updated address.

Now, let's take a moment to break down each of these tips in detail.

Outsmart debt collectors with SoloSuit's help.

Keep a record of all communication with debt collectors

Ensure that you keep a log of every single time you speak to a debt collector. Note who you spoke with, what they said to you, and what time they contacted you. This will help you remember all important information, as well as how often they call you and any inconsistencies in what they say to you. If you have any voicemails or messages with abusive language, you need to keep them because these can be used as evidence in a countersuit.

Send a Debt Validation Letter and force them to verify your debt

If you suspect that the debt is not yours, or that is past the statute of limitations, try sending a Debt Validation Letter within 30 days of the initial contact with a debt collector. This letter forces debt collectors to verify that the debt they are trying to collect is valid and that they have the right to do so. Many debt collectors purchase old debts from original creditors, like credit card companies or banks. They purchase these debt accounts for a fraction of the original debt amount. During the transfer of the account, it is common for the collector to lose the proper documentation and proof needed to validate a debt. So, when you send a Debt Validation Letter, most debt collectors give up.

Who is the King of Slots?

William ""Si"" Redd King of the Slots: William ""Si"" Redd.

Last updated Dec 28, 2021

How do I bet both teams to score?

Both Teams to Score Over/Under This type of wager combines the Both Teams to Score market and the Over/Under market. You would need to predict both...

Last updated Feb 21, 2020

Promotion

Write a cease and desist letter

Under the Fair Debt Collection Practices Act (FDCPA), if you ask for a debt collector to stop contacting you, they must do so. There are only a few exemptions to this rule. It is good to note that your request must be in writing. When you ask a collector to stop communicating with you, it may become easy for you to lose track of the debt. This is something that you must decide for yourself. Regardless, if you decide you want the collector to stop contacting you, you can simply ask for this to happen. If this happens, the only time they may contact you is to serve you with a lawsuit.

Respond to debt collectors with SoloSuit and beat them in court.

Explain the debt is not legitimate

If you feel that you should not pay the debt, or that you do not owe it, then you need to make your case. Tell the collector that this is uncollectable and present your information. If you have a valid reason, the collector may voluntarily stop collection on the debt. Otherwise, you will need to present this information in court if the debt collector files a lawsuit against you.

Review your credit reports

You can get a free copy of your credit report from one of the three major credit reporting bureaus (Experian, Equifax, and TransUnion) once per year. Check the reports carefully to see if you have any accounts that you are unaware of. If you find inaccurate information on your credit report, you can dispute the errors with the credit reporting bureaus.

Explain that you cannot afford to pay

If you cannot afford to pay your debt, you can try to explain this to the debt collector. Although explaining that you can't pay does not mean they have to stop collections, it may push them to move on to another customer. This can also prevent your file from going to court. Do not admit that the debt is yours or do anything that could restart the clock on the statute of limitations. Instead, ensure that you do not admit you are responsible, nor state that you will pay off the debt.

Make the right defense the right way with SoloSuit.

See if the debt collector has your current address

Although you might want to hide from a debt collector, you want to ensure that you get all correspondence. Rather than change your phone number, ask them to stop calling. Then ensure they have your current address because you will never miss a Summon. If you miss a Summons, this will lead to the possibility of having a default judgment placed against you. When a default judgment is placed against you it gives debt collectors the right to garnish your wages and even money taken from your bank account.

What to remember when talking to a debt collector

The 11-word phrase will prevent debt collectors from getting in touch with you by any means other than mail, but your debt will still be unpaid. As a result, you need a long-term approach to deal with the debt. Learn about the possibilities that are open to you. Then seek advice on which one is best based on your circumstances.

Let's take a look at an example.

Example: Walker has $1,550 outstanding on the credit card that he hasn't paid in six months, and when debt collectors start contacting him about it, he used the 11-word phrase to stop their incessant calls: “Please cease and desist all calls and contact with me, immediately.” Unfortunately, Walker was served with a Summons and Complaint after a few weeks. He used SoloSuit to draft and file an Answer to the lawsuit, and he negotiated with the debt collectors by sending a Debt Lawsuit Settlement Letter to lower his interest rate and pay off his credit card debt within a set time frame. Walker is now making minimum monthly payments to the collectors and working hard to pay his debt off. The best part is the debt collectors were willing to settle for 50% of the original amount, so Walker only had to pay off $755. There are a few things you need to remember when a debt collector calls you. First, do not give out your personal information such as bank account number or social security number. You should also not offer a small payment to “get them off their back.” this could restart the clock on the statute of limitations. Above all, never make promises or admit the debt is valid. Otherwise, you can always ask them to cease and desist.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you. Respond with SoloSuit "First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.

Can I refuse to talk to FBI?

You are NOT REQUIRED to answer any questions of ANY law enforcement agency including the FBI. You ALWAYS have the right to consult with an attorney...

Last updated Jun 18, 2019

What is a 0.005% chance?

A p-value of 0.05, the traditional threshold, means that there is a 5% chance that you would have obtained those results without there being a real...

Last updated Jan 9, 2019

Promotion

Join our community of over 40,000 people. You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

solosuit.com - Use This 11 Word Phrase to Stop Debt Collectors | SoloSuit Blog

What does it mean 20 to 1 odds?

20-1 Betting Odds means that out of 21 possible outcomes, the 20/1 odds are that there will be 20 of one kind of outcome and 1 of another kind of...

Last updated May 25, 2020

How did donks get their name?

During these years, the Impala had a special logo that featured a leaping African antelope. To many, this jumping creature resembled a donkey, so...

Last updated May 11, 2022

Promotion

Do bonuses increase performance?

Economists have traditionally advocated the view that bonuses raise employee performance. The key idea is simple: if people are paid according to...

Last updated Dec 11, 2018

Promotion

Has a man ever played a woman in tennis?

Probably the most famous tennis battle of the sexes took place in 1973, between Bobby Riggs, winner of the Wimbledon men's singles title in 1939,...

Last updated Nov 4, 2022