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avatar Zoe ZZZ

2/25/2026 This single sentence stops debt collectors. Stop scrolling. This single sentence legally shuts down third-party debt collectors in their tracks. If a debt collector calls you, don't argue, don't explain, don't negotiate. You say this and nothing else. I do not consent to verbal communication from your company or any of its affiliates or s

avatar Mark Manson

WHAT CONGRESS NEVER TOLD YOU Congress passed the FDCPA, which is Trump's new laws. When a debt collector comes after you for a debt owed, but you sent a cease and desist letter, now they owe you $1,000 for every letter. It's illegal for a collection agency to buy your debt and come after you to pay for it. You didn't consent to that, and they are harassing you pursuant to 15

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