Credit secrets 11 word phrase12/10/2023 ![]() (2) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer or In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antemeridian and before 9 o’clock postmeridian, local time at the consumer’s location ![]() (1) At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Communication In Connection With Debt CollectionĬommunication With The Consumer Generally Communication in connection with debt collection The two important sections regarding calls from debt collectors are – It defines the legal ways that can be used for debt collection. The Fair Debt Collection Practices Act (FDCPA) works as a shield to protect the rights of creditors. “This debt is proven unaffordable and I am making a complaint” What Is The Law About Calls From Debt Collectors? ![]() “This debt is more than 6 years old and statute-barred”Īnother way to stop the debt collectors is to claim that the debt is ‘unaffordable lending.’ You can use this 11-word phrase – If you can claim the debt is statute-barred like debt collector is contacting after 6 years then you can use this 11-word phrase – “I demand you only contact me in writing and stop calling” If you don’t want to pay the debt now but want to stop the phone calls then you can use this 11-word phrase – “I agree to pay x amount and have enclosed a cheque” If the debt collector calls you then you can say this 11-word phrase – You could produce something to stop debt collectors and the simplest way to stop a debt collector is to pay them. However, that doesn’t mean you can’t make your own 11-word phrase. Moreover, John Ulzheimer also wrote a book named “ Credit Secrets” and the book also doesn’t have any 11-word phrase that gets collectors off your back. These internet pages promise to reveal the magic sentence but usually just try to sell you a book or a guide. He only shared a tip that was later used as a marketing trick by various internet pages and online bloggers. ![]() This is because there is no such phrase and credit guru John Ulzheimer didn’t say any 11-word phrase. Many people searched for the 11-word phrase online but they don’t find any reliable answer. Though many people say that there is a mysterious 11-word phrase available that can stop debt collectors from calling you! Is it really true? Does the 11-word phrase really exists and if it exists does it really work? Does 11 Word Phrase To Stop Debt Collectors Really Exist? Legally, collection agencies cannot harass creditors but no law can stop the debt collectors from calling you. Carrying debts is already stressful and receiving intrusive calls from aggressive debt collectors can make things even worse. If you have borrowed money from a bank, credit union, or any other financial institute then you might be familiar with debt collector’s phone calls. This simple tip was later advertised as an “11-word phrase to stop debt collectors.” In that interview, John Ulzheimer said that you can stop the call from debt collectors by “telling them to contact you in writing”. The mysterious 11-word phrase started in 2017 when Larry King interviewed prominent credit guru John Ulzheimer who worked in giant credit bureaus like Equifax and FICO. There is no magical 11-word phrase available to stop debt collection calls. ![]()
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