How Do I Get Creditors To Stop Calling Me?

How to Halt Harassing Calls from Creditors: A Comprehensive Guide

Saddled with overwhelming debt, and further burdened by incessant calls from creditors? You’re not alone! This guide answers the question – “How do I get creditors to stop calling me?” We’ll explore practical solutions to put an end to those unwelcome collection calls, and help you regain peace of mind.

Understanding Collection Calls

When we mention collection calls, we’re referring to those pesky reminders from your creditors about overdue debts, such as credit card balances or payday loans. Creditors might use a debt collector or a collection agency, or even resort to direct communication via your cell phone, landline, or workplace. In extreme cases, they might end up contacting your family or co-workers, which can be a source of embarrassment.

Despite these calls being a legal way for creditors to track down your current contact information, they are not allowed to disclose your debt situation to third parties or reveal their agency’s identity. However, the stress of constant contact can be mentally exhausting, especially when you’re already grappling with debt repayment.


Note: By putting an end to collection calls, you can focus on effectively managing and eliminating your debt.


How to Stop Creditors from Calling?

There are several strategies to stop collection calls. The sooner you act, the quicker you can silence those incessantly ringing phones. Let’s delve into these various methods.

Writing to Your Collection Agent

Remarkably, a simple request to cease collection calls can occasionally do the trick. This usually involves lodging a formal complaint against the collection agency, particularly if you feel they’ve overstepped their legal boundaries such as making automated calls.

Before you write, familiarize yourself with your rights, like whether collection agencies can contact you at work. You can ask for communication in writing, dispute the debt, or even request that they communicate exclusively with your legal advisor or Licensed Insolvency Trustee (LIT).

In certain provinces, consumers are legally allowed to write to collection agencies in a particular language, effectively putting a stop to collection calls.

Paying Your Outstanding Debt

If feasible, pay off your debts to the collection agency. If you can’t pay in full, propose a monthly repayment plan. Make sure to formally document this offer for your records. This could potentially appease your creditors and might even buy you some time to arrange more substantial payments.


Note: Never make payments in cash. Always keep a record of any payments made, like receipts or cancelled cheques.


Consult a Licensed Insolvency Trustee

The fastest way to stop collection calls and pave the way for a more comfortable financial future is by engaging a Licensed Insolvency Trustee (LIT). These professionals are the only ones legally allowed to file all forms of debt relief in Canada.

A LIT can initiate a stay of proceedings, a legal order preventing creditors or collection agencies from contacting you. The moment a creditor or collection agency receives the stay of proceedings, they must cease all collection efforts. If they continue to contact you, they are engaging in illegal activity.

The two forms of debt relief that trigger a stay of proceedings are a consumer proposal and bankruptcy.

Filing a Consumer Proposal

A consumer proposal is a legal agreement between you and your creditors, negotiated and facilitated by a Licensed Insolvency Trustee. This agreement allows you to repay a fraction of your debts, potentially reducing your unsecured debt by up to 80%.

Benefits of a consumer proposal include keeping your assets and obtaining a stay of proceedings that shields you from creditors.

Bankruptcy Proceedings

Filing bankruptcy is another effective way to stop collection calls. Often seen as a last resort, bankruptcy is suitable for individuals with minimal property equity or assets.

Bankruptcy involves handing over your non-exempt assets to a LIT in exchange for the elimination of your unsecured debt, offering a fresh financial start. It also generates a stay of proceedings, providing immediate protection from collection calls and creditors.

Know Your Rights

Finally, arm yourself with knowledge about what collection agencies can and can’t do. This will empower you to take action if collection agencies act unlawfully.

Permitted actions:


  • Contacting you regarding the debt owed;
  • Using reasonable means to persuade you to pay your debt;
  • Not obligated to inform you of your rights – you need to learn this yourself.


Prohibited actions:


  • Making irrelevant charges or threats;
  • Making abusive calls;
  • Contacting your employer without consent;
  • Harassing you with calls;
  • Calling at illegal times, which varies from province to province;
  • Providing forged documents appearing as government documentation.


Still asking yourself, “How do I get creditors to stop calling me?” Seek a free consultation with a seasoned Licensed Insolvency Trustee. The sooner you take action, the quicker those calls can be silenced. You owe it to yourself!

Find Your Personal Debt Relief Solution

Licensed Insolvency Trustees are here to help. Get a free assessment of your options.

Discuss options to get out of debt with a trained & licensed debt relief professional.