How to Stop Debt Collectors in Their Tracks

One of the best ways to get a debt collector to leave you alone is to simply say "I don't owe you anything". This is a fairly easy thing to say, but it does not erase the fact that you owe money. It won't actually make the collector's job any easier either. This may seem like a simple solution, but it can go a long way towards making sure that you do not continue to be harassed by debt collectors.

The first part of the 11-word phrase to stop collection is to be specific. If you want to stop the debt collector from calling you at three in the morning, just say "I don't owe you anything." If you want the collector to leave you alone until you pay the money you owe, just say "I will not pay this debt until you delete this from your records." Be specific. This will show the debt collector that you are organized and taking responsibility. This may make the collector feel uncertain about continuing their harassment.

The next part of the 11-word phrase to stop debt collectors is to be ready for the debt collectors to leave you alone. If the collector has been harassing you for several weeks, it may be best to call a professional debt collectors' assistance line. A debt collection agency does not want to deal with a debtor who is unorganized. Make sure you have plenty of time to talk to the help line if this becomes necessary.

In some cases, debt collectors will simply forget that they owe you money if you let them know you are taking care of yourself. If this happens to you, just ignore them. Do not return phone calls or answer emails. You are showing your lack of interest in the situation and that will make the collector's job easier. Click here for more details about 11 word phrase to stop debt collectors

The final part of the 11-word phrase to stop debt collectors is to get a written validation from your creditor. This can be as simple as a form or as involved as requesting a credit report and forwarding it to the collector. In order to have a written validation, make sure you have all of your information in order. Get a copy of your credit report and attach a copy of the written validation to that document. Then attach a copy of that to your letter.

Debt collectors are notorious for coming after people who are trying to pay off their debts without angering them. However, if you take the time to write a detailed explanation of your circumstances to the debt collector, they may realize that there really isn't any reason to bother you. This tactic may work better than approaching them personally. Remember, however, this doesn't stop all collectors from harassing you. If the collector has been harassing you for an extended period of time, talk to a lawyer or consumer advocate.