How To Stop Debt Collectors from Calling

Stopping Calls From Debt Collection Agents

Struggling with debt can be extremely stressful, and it is often made even more difficult to deal with by debt collectors constantly trying to contact you.

You begin to dread getting a phone call or a letter, knowing that it could be another attempt at contacting you from a debt collector.

Although you might wish that the problem will go away, it’s not going to resolve itself if you ignore it.

When you are having problems with debt, you need to tackle them as soon as you can.

Otherwise, they may only continue to get worse.

Answer the Call

Ignoring the calls that you receive from debt collectors might be tempting, but it won’t solve anything.

The calls aren’t going to go away if you don’t pick up the phone, so it’s best to answer when you receive a call.

Knowing what to say when they call can help to make it less intimidating.

When you answer the phone, get the details of the debt that you owe, who you owe it to, and the remaining balance.

Before trying any other routes, you may be able to negotiate a reasonable payment plan to repay your debt.

The lender wants to recover their money, and they are often willing to renegotiate how you will repay it if it means you will pay it eventually.

The longer you ignore the debt, the more it will affect your credit score.

Communicate in Writing

There are several reasons you might prefer not to be contacted by phone.

Whether you are deaf or hard of hearing or you want a written record of all communication from the collection agency, you can ask to be contacted in writing only.

By sending a Cease and Desist Letter, you will be letting the agency know that you want them to send their communications by mail.

If you decide to do this, keep a copy of the letter and send it registered so that you have proof of sending it.

Be sure to open any mail you receive to check for legal documents after this.

Block Calls If Necessary

Although it is best to answer the calls that you receive from debt collectors, it can sometimes be helpful to block calls.

If they are calling excessively during times when you are unable to talk on the phone, blocking unknown or unwanted numbers can help.

When you are having problems with debt collectors, seeking debt relief advice will make it easier to address the issue.

A Licensed Insolvency Trustee will guide you through the debt relief options that are available to you so that you can create a plan to tackle your debt.

Discover your debt relief options from Bankruptcy Canada.

Contact us to arrange a free consultation from a local Licensed Insolvency Trustee and learn the solutions that are available to you.

The sooner you start to address the problem, the quicker you can stop debt collectors from calling.

Please post a follow up comment below:

(Note: Comments are reviewed before posting.)