Dealing with debt collectors can be a stressful experience for many individuals facing financial challenges. However, understanding your rights and having effective strategies to handle debt collection calls can help alleviate some of the anxiety. In this article, we will explore an 11-word phrase that can help you assert your rights and manage interactions with debt collectors. We will discuss the importance of knowing your rights, the power of the 11-word phrase, and additional strategies for handling debt collection situations.