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Communicating with debt collectors In addition to using the validation information to follow up with the debt collector, you can use these sample letters to communicate with them: I do not owe this debt . I need more information about this debt . I want the debt collector to stop contacting me .

The final rule also provides non-exhaustive lists of factors that may be used to rebut the presumption of compliance or of a violation." This is where we get our "7-in-7" concept. You can attempt to contact a consumer about 1 debt 7 times in 7 days.

If you find the disputed debt on your credit report, you can also dispute it with the credit reporting companies. You can consider contacting a lawyer that specializes in debt collection cases if you don't believe you can resolve the issue with the debt collector or credit reporting companies.

Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage. There's no guarantee your request will be accepted, but there's no harm in asking. A record of on-time payments since the debt was paid will help your case.

The truth is that there are no magic words to stop a debt collector from collecting the debt. In case you are wondering what the 11 word phrase to stop debt collectors is supposed to be its ?Please cease and desist all calls and contact with me immediately.?

"This will be different for everyone, as each person's credit file is different," Lane says. "However, a successful removal of a derogatory collection account from a credit report should generally improve the credit score." That said, the positive effects could be minimal if you have multiple accounts in collections.