Debt can feel stressful and overwhelming, especially when you’re struggling with payments. And if you end up on the receiving end of a debt collector’s call, it can feel scary.
But while it’s tempting to ignore debt collectors, that can even make the situation worse.
You know what else is not a good idea? Uttering a specific 11-word phrase billed to stop debt collectors.
What Is This Phrase to Stop Debt Collectors?
It’s “Please cease and desist all calls and contact with me immediately.”
The truth is that using this phrase won’t necessarily stop debt collectors. They may stop contacting you, but it doesn’t mean they won’t stop from trying to collect the debt you may owe. Besides, if you cease all communications, you’ll risk missing important information about the debt, putting you at further risk. Also, the debt could end up being reported to the credit bureaus and
