Stop Debt Collection Calls in 4 Steps

If you are constantly getting debt collection calls there is a good chance that you would like them to stop. Debt collectors call you when it is least convenient for you. During dinner, at work, and at all other times, they may be calling you. If this is the case, you are undoubtedly wondering how you can make the calls stop. You probably understand why they are calling, but nevertheless, the calls are annoying. Here are a few steps you can take to stop the debt collection calls and gain back your peace.

1. Hang Up

The first step that you can take is actually a simple one. Hang up the phone when they call. While this may or may not work, it may help them get the idea that you don't want to talk. There is no law that says you have to talk to a debt collector on the phone. If they continually call you back after you hang up, they are in violation of the law and have now moved into the territory of harassment.

2. Bring Up Harassment

If they do continually call you back, they are now harassing you. Harassment could fall under a number of different situations. If they are calling you several times per day, you can also accuse them of this. If they call you before 8:00 a.m. or after 9:00 p.m. they can also get in trouble. If you know that they are harassing you, let them know so. Tell them that you are aware of your rights as a debtor and you would like to speak with a manager so that you can let them know about this level of harassment. Many times, they will tone down the calls immediately.

3. Put It in Writing

When they keep calling you relentlessly, ask them to put it in writing. If you let them know that you would rather communicate in writing, they will usually stop calling you and send you everything in written communication from then on. Getting everything from them in writing is better also because it allows you to document everything that they have said. Unless you are recording every conversation on the phone, you really cannot do so with a phone call. This way, there will never be a question about what was said in your conversations with them.

4. Talk to My Lawyer

When a debt collector continually calls, mention to them that they need to contact your lawyer now. If you have a lawyer, the debt collectors will now have to direct any communications for you through them. This is the law and it cannot be avoided. Give them your lawyer’s phone number if they call you and tell them that they should be talking to them. Your lawyer will most likely request the information of all of the creditors that you have and they will take care of this on their own. However, if someone still calls, just direct them to call your lawyer and the calls should cease.

 


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