Stop Debt Collectors Calling: The Exact Script to Use in 2026

Is your phone ringing non-stop? Dealing with debt collectors can be terrifying. They use fear and intimidation to make you pay, even if you can’t afford it.

But here is the truth: Harassment is illegal.

Under the Fair Debt Collection Practices Act (FDCPA), you have the power to Stop Debt Collectors from calling you. You just need to say the right words. In this guide, we give you the exact script to use in 2026 to silence the phone and regain your peace of mind.

(If the debt is medical, check our guide on New Medical Debt Laws first).

The “Cease and Desist” Script

You do not need a lawyer to make them stop. You just need to assert your rights.

Next time they call, answer the phone calmly, do not admit to the debt, and read this script word-for-word:

The 2026 Anti-Harassment Script:

“I am advising you that I am recording this call for future legal use.

I dispute this debt. Under the FDCPA, I am requesting that you validate this debt in writing.

Furthermore, I am formally requesting that you cease and desist all telephone calls to this number and my place of employment immediately.

All future communication must be done via US Mail only. If you continue to call, I will report this harassment to the CFPB and my state Attorney General. Do you have my mailing address?”

Why This Works

Once you say “stop calling” and request communication by mail, it is illegal for them to call you again (except to tell you they are suing, which is rare for small debts). If they call again, you can sue them for $1,000 per violation.

3 Things NEVER to Say

When you are on the phone to Stop Debt Collectors, avoid these traps:

1. “I’ll pay it soon.”

   • Why: This admits the debt is yours and resets the “Statute of Limitations.” A debt that was too old to sue for becomes fresh again.

2. “I know I owe this.”

   • Why: Never admit liability until they prove it in writing.

3. Your Bank Details.

   • Why: Never give access to your checking account over the phone. They might take more than you agreed to.

What If They Keep Calling?

If they ignore your request (which is rare for legitimate agencies but common for scammers), you have options:

• Report Them: File a complaint at ConsumerFinance.gov.

• Block Them: Use your phone’s spam filter.

• Settle It: If the debt is real and you just want it gone, consider using a Debt Consolidation Loan to pay it off on your own terms, not theirs.

Conclusion

You have rights. You do not have to live in fear of your phone. Use the script above to Stop Debt Collectors today and force them to communicate respectfully by mail.

Once the phone stops ringing, you can focus on the real work: fixing your finances.

(Ready to rebuild? Start by checking your report for errors with our Section 609 Guide).