![]() ![]() Telling debt collectors the 11-word command, “Please cease and desist all calls and contact with me, immediately,” is the first step in stopping them from calling you. ![]() SEE ALSO: How to File Dell Complaints the Easy Way How to Stop Communication With Debt Collectors on Your Own Congress imposed a mandate on this program.ĭebt collectors can phone you to enquire about who owes you money, but they are only permitted to do this once. ![]() In order to recover unpaid taxes, the Internal Revenue Service (IRS) also introduced a private debt collection program in 2016. ![]() Some debtors send your debt to a third-party collection agency, while others utilize their internal debt collectors. Your debt collection agency will be notified if you don’t pay your invoices on time.įollowing this, by law, debt collectors are permitted to contact you by phone between 8 a.m. Most importantly, the law mandates that debt collectors must comply with your request if you ask them to cease contacting and only communicate with you in writing. The fair debt collection act defines what is legal or not as regards debt collection.ĭebt collectors are permitted by the Fair Debt Collection Practices Act to contact you by phone and mail once each day, but they are not allowed to harass you or use threatening, insulting, or abusive language.Īdditionally, they might not call you after hours or on weekends. The Fair Debt Collection Practices Act was created by the federal government to protect your rights as a consumer and counter the lengthy history of abuse by debt collectors. What Does the Law Say About Calls From Debt Collectors His remark about the interview caused hordes of debtors to desperately look for the precise 11-word sentence.Īctually, it was only a publicity stunt to increase the book’s sales. The debt collector cannot even call your phone number, he continued, because of this one statement. of the book, according to Ulzheimer, contains a “simple 11-word phrase you can employ to ensure that no bill collector will ever approach you again.” In an interview with credit expert John Ulzheimer on Larry King’s show, where he was promoting the book “Credit Secrets,” published by Scott and Alison Hilton, the 11-word phrase to thwart debt collectors was first stated.
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