Use This 11-Word Phrase to Stop Debt Collectors | Farmer & Morris (2024)

Use This 11-Word Phrase to Stop Debt Collectors | Farmer & Morris (1)

Are debt collectors persistently trying to get you to pay what you owe them? Use this 11-word phrase to stop debt collectors: “Please cease and desist all calls and contact with me immediately.” You can use this phrase over the phone, in an email or letter, or both.

Once you have made it clear to the debt collectors that you do not wish to hear from them again, it is time to take action to get your debt under control. A bankruptcy lawyer can help you weigh your options.

Debt Collectors Can File Suit

If you owe someone money, they have several options under the law to try to get their money back. One is by contacting you directly, though you can stop them from doing so by using the 11-word phrase as described.

Another way that debt collectors can pursue money owed to them is through a lawsuit. Each state gives debt collectors a certain period of time in which they are allowed to sue those who owe them money. In both North Carolina and South Carolina, this time period is usually three years, according to N.C.G.S. § 1-52 (1) and S.C. Ann § 15-3-530, respectively.

Once your creditors decide to file a lawsuit, asking them to cease and desist will do no good. However, you can:

  • Say that you disagree with the lawsuit
  • Collect materials and build an argument showing why your creditors are in error about the money you owe them or the amount of time you have to repay them
  • Ask a lawyer to represent you and protect your rights

Actions You Can Take to Stop a Debt Collector

How can you get debt collectors to stop permanently? As your bankruptcy attorney can explain, you have several options, including:

  • Negotiating for better terms: Some debt collectors may be open to renegotiating the terms of your loan, especially if it increases the chances of them getting their money back.
  • Consolidating your debt: If you owe money to many different people, it may be prudent to take out one big loan to pay off all the others. This way, you only have to worry about paying off one creditor instead of many.
  • Seeking debt counseling: A debt or credit counselor can review your situation and help you figure out how to reorganize your finances. Many offer their services free of charge.
  • Filing bankruptcy: Filing bankruptcy allows you to eliminate some or all of your debt, and it will stop debt collectors from calling you.

As useful as it is, the 11-word phrase described here will not stop debt collectors permanently. To truly resolve your financial problems, you must take action as soon as possible.

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Filing Bankruptcy to Stop Debt Collectors

If you declare bankruptcy, your debt collectors must stop trying to contact you immediately. This means they would no longer be able to call you about what you owe. However, filing bankruptcy is not as simple as all that. Here are some factors to consider:

  • The filing process can take some time: You need to file a petition with the appropriate court, alert your creditors about what you have done, and participate in the bankruptcy case process.
  • You need to present evidence: Bankruptcy filing requires you to gather and potentially present documentation relating to just about every aspect of your financial life, including pay stubs, tax filings, bank statements, bills, receipts, communications between you and your creditors, and more.
  • Bankruptcy affects your credit score: Bankruptcy will remain a negative mark on your financial history for some time. As a result, you may have greater difficulty securing new loans, renting or buying property, etc.
  • There are multiple types of bankruptcy: If you are an individual with no way of paying your debts, Chapter 7 might be the best option for you. On the other hand, if you think you can repay some or all of your debts within the framework of a repayment plan, Chapter 13 might be better.
  • Bankruptcy discharges some types of debts: If you owe a great deal in credit card debt, bankruptcy could allow you to discharge (eliminate) some or all of it. However, you would still have to pay if you owe other types of debt, such as child support.

When considering a step as serious as bankruptcy, you will want to have as much information as necessary to help you make the right decision. In addition, you can work closely with your bankruptcy attorney as you consider the pros and cons of bankruptcy, debt consolidation, and other options.

Discuss Your Options During a Free Consultation with a Bankruptcy Attorney

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase “please cease and desist all calls and contact with me immediately” to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

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Bankruptcy FAQ:

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

You do not have to be in a specific amount of debt to file Chapter 7 bankruptcy. Your income might play a role in your ability to file for Chapter 7 bankruptcy protection, and you might be required to

What Happens If I Declare Bankruptcy?

When you declarebankruptcy, you willfile a petitionin federal court. Once your petition for bankruptcy is filed, your creditors will be informed and must stop pursuing any debt you owe. The

What Is the Difference Between Chapter 13 and Chapter 7 Bankruptcy?

One key difference between Chapter 13 and Chapter 7 bankruptcy is that Chapter 7 allows people to completely eliminate their unsecured debt after a specific period. In contrast, Chapter 13 allows

What Is the Downside of Filing For Bankruptcy?

Filing for bankruptcy protection is considered a statement on your ability to repay your debt to your creditors. The fact that you sought and received bankruptcy protection will remain on your credit

What Will I Lose If I File Bankruptcy?

Most people who file bankruptcy are able to keep all of their assets. Filing for bankruptcy may seem like an overwhelming experience. However, a lawyer from our firm can help you through the process.

What Is the Process of Filing Bankruptcy?

The process of filing bankruptcy begins with deciding which type of bankruptcy is right for you. You will then need to compile important financial documents, submit a petition to your local bankruptcy

Use This 11-Word Phrase to Stop Debt Collectors | Farmer & Morris (2024)


Use This 11-Word Phrase to Stop Debt Collectors | Farmer & Morris? ›

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase “please cease and desist all calls and contact with me immediately” to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

What is the 11-word phrase to stop debt collectors? ›

The truth is that there are no magic words to stop a debt collector from collecting the debt. In case you are wondering what the 11 word phrase to stop debt collectors is supposed to be its “Please cease and desist all calls and contact with me immediately.”

How do you outsmart a debt collector? ›

You can outsmart debt collectors by following these tips:
  1. Keep a record of all communication with debt collectors.
  2. Send a Debt Validation Letter and force them to verify your debt.
  3. Write a cease and desist letter.
  4. Explain the debt is not legitimate.
  5. Review your credit reports.
  6. Explain that you cannot afford to pay.
Mar 11, 2024

What to say and not to say to debt collectors? ›

Don't give a collector any personal financial information. Don't make a "good faith" payment, promise to pay, or admit the debt is valid. You don't want to make it easier for the collector to get access to your money, or do anything that might revive the statute of limitations.

How do I get rid of debt collectors without paying? ›

You can sue the debt collector for violating the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorney's fees and may also have to pay you damages. If you're having trouble with debt collection, you can submit a complaint with the CFPB.

What are the 11 words in credit secrets? ›

If you want to know how to stop debt collectors from calling, then you need to know this 11 word phrase: “Please cease and desist all calls and contact with me, immediately.”

What is a weakness as a debt collector? ›

Lack of current information on debtors. Difficulty identifying and contacting debtors. Difficulty in accessing the most valuable information. Takes too long to locate debtors when sorting through all the data.

How do you win against a debt collector? ›

Here are a few suggestions that might work in your favor:
  1. Write a letter disputing the debt. You have 30 days after receiving a collection notice to dispute a debt in writing. ...
  2. Dispute the debt on your credit report. ...
  3. Lodge a complaint. ...
  4. Respond to a lawsuit. ...
  5. Hire an attorney.

Why you shouldn't pay debt collectors? ›

By paying the collection agency directly, the notification of the debt could stay on your credit report longer than if you attempt to use another option, like filing for bankruptcy. When institutions check your credit report and see this information on it, it may harm your ability to obtain loans.

Can you tell a debt collector to stop contacting you? ›

Under the FDCPA, you can tell a debt collector to stop contacting you. But it's not always a good idea.

What are 3 things to ask a debt collector? ›

When contacted, find out:
  • The identity of the debt collector, including name, address, and phone number.
  • The amount of the debt.
  • What the debt is for and when the debt was incurred.
  • The name of the original creditor.
  • Information about whether you or someone else may owe the debt.
Oct 12, 2018

What happens if you never pay collections? ›

If you don't pay, the collection agency can sue you to try to collect the debt. If successful, the court may grant them the authority to garnish your wages or bank account or place a lien on your property. You can defend yourself in a debt collection lawsuit or file bankruptcy to stop collection actions.

What are 3 things that a debt collection agency Cannot do? ›

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

What do you say to creditors when you can't pay? ›

Explain your current situation. Tell them your family income is reduced and you are not able to keep up with your payments. Frankly discuss your future income prospects so you and your creditors can figure out solutions to the problem.

Do you have to pay debt that was sold to a collection agency? ›

Until the debt is either paid or forgiven, you still owe the money. This is true even if it's a credit card debt that is sold to a collection agency and even if you think it's unfair.

What is the word of one who Cannot pay his debt? ›

Therefore the correct answer is option 'D'. Insolvent is a person who has no money to pay off his debts.

What is Chapter 11 debt? ›

A case filed under chapter 11 of the United States Bankruptcy Code is frequently referred to as a "reorganization" bankruptcy. Usually, the debtor remains “in possession,” has the powers and duties of a trustee, may continue to operate its business, and may, with court approval, borrow new money.

What is debt trap in one word? ›

A debt trap means the inability to repay credit amount. It is a situation where the debtor could not be able to repay the credit amount.


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