The 11 Word Credit Phrase

The 11 Word Credit Phrase Summary​

The "11-word credit phrase" is "Please cease and desist all calls and contact with me immediately," which is used to legally request that debt collectors stop contacting you, based on the Fair Debt Collection Practices Act (FDCPA); essentially, it's a way to tell them to stop communicating with you about a debt. 

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Key points about the phrase:

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Purpose:

To legally instruct debt collectors to stop contacting you regarding a debt. 

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How to use it:

Send this phrase in writing, preferably via certified mail with return receipt requested. 

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Legal basis:

The Fair Debt Collection Practices Act (FDCPA) protects consumers from aggressive debt collection tactics.