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Can you refuse to pay a debt collector?

Collectors may not call you at work if you inform the collector that you cant take personal calls at work. Collectors may not make false statements, use unfair practices, or harass you. Collectors must stop contacting you if you ask in writing. Collectors may not accept cash from you without giving you a receipt.

What is the 11 word phrase to stop debt collectors?

If you want to stop debt collectors from calling you, the phrase to use is: Please cease and desist all communication with me about this debt. This simple phrase, when sent in writing to a debt collector, legally requires the debt collector to stop contacting you except to notify you of specific actions, such as

How can I get out of paying a debt collector?

If you believe you do not owe the debt, you should tell the debt collector. If the debt is yours and you cant afford to pay it, you may be able to decide with the debt collector. You can also ask the debt collector in writing to stop contacting you, which will stop the communications.

What happens if you refuse to pay collections?

If you dont 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.