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This single sentence legally shuts debt collectors down. If a debt collector keeps calling you, you don’t argue, you don’t explain, and you don’t negotiate. You simply state that you do not consent to verbal communication and demand debt validation in writing, including the original agreement, full payment history, and chain of custody. Under the Fair Debt Collection Practices Act, once validation is requested, collection activity must stop until it’s provided, and most collectors can’t produce
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