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LRC Fundamentals Day 19: Stop the Calls

LRC Fundamentals Day 19: Stop the Calls

By TheBudgetnista -  Tags: ,


New to Live Richer Challenge: The Fundamentals? Learn more about it HERE.

Need to catch up? Click on the link where you left off and then come back!

Day 13: Allowance

Day 14: Review, Reflect, Relax

Day 15: Debt List

Day 16: Find Money

Day 17: Debt Repayment

Day 18: Verify Your Debt

Week 3: Debt

Today’s Easy Financial Task: Send Cease & Desist Letters

How to rock this task :

  • Get your list of your debt collectors from your credit report. You can get a free report and score at Credit Sesame.
  • Use Google to find the mailing addresses for debt collectors who keep calling, or ask for their address or fax number the next time they call you
  • Send a Cease & Desist Letter via certified mail or fax

Are you getting harassed by debt collectors? Did you know that if you ask them to stop calling you, they must? It’s the law.

The best way to get a debt collector to stop calling you is to send them a Cease and Desist Letter via certified mail or fax. That’s what I did when my mortgage company kept calling my parents and my sister’s job asking for me.

I was once a classroom teacher and one day I lost my job when my school suddenly closed down. I called my mortgage company right away to work out a solution, because I could no longer afford my mortgage. Although I was in almost-daily contact with them, they still felt the need to try and shame me by calling my family asking for me. Each time they called a family member, I reached out and I told them that they could call me and supplied them with my number. This happened several times. The calls to my family persisted until I sent my mortgage company a Cease and Desist Letter via fax. After that, the calls stopped immediately.

Get the free template for the Cease and Desist Letter that I sent to my mortgage company here: Sample Cease and Desist Letter to Debt Collectors

Tip: Make sure to list the number(s) that you want your creditors to stop calling, and supply them with the way you want to be contacted (email or mailing address or an alternate number).

Have your accountability partners done yesterday's task and requested a Debt Validation Letter? Have they prepared a Cease and Desist Letter? Now is a good time to check in on them. It's also a great time to share today's task with your tweeps.

Debt collectors DO NOT have to call you. You can choose. Day 19 #LIVERICHERChallenge Click To Tweet

I'd love to hear your experiences with debt collectors (both good & bad), in the comments below & in our LIVE RICHER Forum too. (If you're new to the Dream Catchers: LIVE RICHER forum make sure to fill out the questionnaire HERE before requesting to join.)

I share this resource before, but just in case you missed it...: 9 Ways to Successfully Handle Debt Collectors.

Live richer,


You can reach out to me here:

twitter: @thebudgetnista

instagram: @thebudgetnista

Facebook: The Budgetnista

Private Forum: Dream Catchers : LIVE RICHER

(If you’re new to the Dream Catchers: LIVE RICHER forum make sure to fill out the questionnaire HERE before requesting to join.)



My Lisa Rule: I have 4 sisters and Lisa is the baby (well she’s not a baby anymore). Of all of my sisters I’m the most protective over her. Before I share any product or service with you, it must pass my Lisa Rule.

What’s the Lisa Rule? If I would not advise Lisa to use a product or service, I won’t advise you to. YOU are my Lisa. I feel protective over you and your financial journey.

The products/services mentioned in this post pass my Lisa Rule. Yes, I'm an affiliate, but I would not recommend a product or service that I didn’t believe was helpful and useful. 


*** Have you just started the Challenge? Want to catch-up? Want to do the challenge again later? Want to work through the LIVE RICHER Challenge in a workbook as well? You can do it ALL with the LRC Book. Get it here NOW: LIVE RICHER Challenge Book ***

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Tiffany “The Budgetnista” Aliche is quickly becoming America's favorite, personal financial educator. The Budgetnista is also an Amazon #1 best selling author (The One Week Budget and Live Richer Challenge), sought-after speaker and teacher of financial empowerment.
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