5 Ways to Stop Collection Calls


The following is a guest post from fellow blogger Jerry Coffey of Repaid.org. If you are interested in guest posting, please see our guest posting guidelines.


5 Ways to Stop Collection CallsHaving debts you’re struggling to pay is a sad state of affairs, and non-stop phone calls from debt collectors only makes the situation worse. Unchecked, your phone may ring every couple of hours all day long and well into the night. Fortunately, there are steps that you can take to stop collection calls.


Answer The Phone

Ignoring the calls will not help. Debt collectors have nothing else to do but hassle you, so talk to them. Keep a pencil and paper handy, though. Ask what specific debt the company is trying to collect. Get the name of the company, your account number, the company’s address, its phone number, and the name of the person that you are speaking to. Collection agencies are required to provide this information. After getting all of that info, clearly state that the company is to stop contacting you by phone. Be sure to emphasize that they are not to call you at home or at work. Do not give any personal information, and do not acknowledge or make a payment on the debt at this time. You need to confirm that you’re dealing with a legitimate collection agency and a valid, unexpired debt. By acknowledging the debt or making a payment, you could risk reaffirming a debt that’s actually past the statute of limitations (SOL).


Verify The Company

Scams are everywhere. Debt collection scams abound. A simple internet research should show you whether the company is legitimate or not. You may find that the company exists, but at a different address than the one you were given. This is a sure sign that someone is trying to run a scam on you. You can also check your state’s Department of Consumer Affairs and/or State Attorney’s office to determine if the company is licensed in your state. If they claim to be associated with an attorney’s office, you can check with the state bar association. Collectors must send you a written confirmation of the debt within five days of their first call. This letter should include all of the company’s contact information.


Send a Letter

Believe it or not, some debt collectors (real or scam) will keep calling you after you ask them to stop. Yes, that was tongue in cheek. You will need to send a cease and desist letter to the company. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must stop collection calls if you send a cease and desist letter, but not until they receive the letter. Send your letter certified mail. Here is a sample letter:


Your Name
City, State Zip

Debt Collector’s Name
City, State Zip

Re: Account Number

Dear Debt Collector:

Pursuant to my rights under the Fair Debt Collection Practices Act, I request that you cease and desist communication with me, along with my family and friends, in relation to this and all other alleged debts which you are claiming that I owe.

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General’s office, and civil and criminal claims will be pursued.


Your Name

File a Complaint

If the company does not stop calling or if you suspect that there is a scam afoot, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357). You should also contact your state’s Attorney General. Most states now allow you to submit complaints electronically. If you mail in your complaint form, don’t send the originals of any documents you want to include. Send copies and keep the originals for your own records.


Get a Lawyer

Occasionally even a legitimate company will continue to violate the Fair Debt Collection Practices Act. The only way to stop this is to sue. A sad aspect of the debt collection industry is that there are very few ethical companies in the business, so you must take away their profits to get them to reevaluate their tactics. There are many attorneys that will give you a free consultation, so set up an appointment to find out if you have a case or not. You can simply search Google for an “FDCPA attorney” in your area.


Hopefully, you will find a few of these tips helpful and be able to put a stop to those annoying phone calls. Once you do, you’ll be in a much better position to begin taking control of your finances and eliminating your debt!



This is a guest post from Jerry Coffey, who blogs over at Repaid.org. After years as a “debtaholic,” Jerry paid off more than $10,000 in credit card debt in just over two years through smart budgeting and frugal living. You can follow Repaid.org on Twitter @RepaidOrg


  1. Justin@TheFrugalPath says

    It’s a shame the way some people are willing to prey on others. Some of these companies will buy debt that’s past it’s statues of limitations for pennies on the dollars just for the off chance that you might actually be strong armed into paying. This is an industry that definitely needs more regulating.

    • says

      Definitely, Justin – strong-armed, or simply tricked into reaffirming a debt that’s past the SOL. Consumers actually have a lot of rights – the problem is that they don’t what those rights are. So I think education is really lacking. Hopefully this post and others from all of our blogs/sites will help!

  2. Jamie Dickinson says

    It really is all about opening a dialogue. A lot of times these aren’t pleasant people to deal with, however it gets much harder if your ignore it.

  3. says

    There is nothing nice about the debt collection business. All to often people get into debt and feel like there is no escape, particularly when the debt collectors won’t leave you alone. I think this article provides a lot of really good ideas to help deal with the situation.

  4. says

    I had a friend who worked as a debt collector for a while. He wasn’t too fond of the job. As much as it would suck to be the one being contacted, it’s not that much fun being the one contacting either.

    • says

      I can only imagine. As much as we like to vilify them, I’m sure these collectors are not bad people. As John S said below, it probably comes to how many of the companies are led. I’m sure the people working these call centers are under a ton of pressure to collect – probably paid commission.

  5. says

    I wish I would’ve known about the cease & desist letter years ago when I was in credit card debt. The large majority of these callers are just a pain in the a$$ to deal with and will just about anything to get you. Of course, it comes down from how many of the companies are led.

    • says

      John, you definitely weren’t alone in not knowing about cease & desist. The FDCPA gives consumers a lot of rights, but unfortunately it seems that few people realize it – making them easy prey, of course, for predatory collectors.

  6. Jason Clayton | frugalhabits says

    Great info Jerry. I’ve never experienced this type of situation, but I imagine it can be frustrating and stressful. Thanks for the great info.

  7. says

    It’s crazy what kind of tactics collectors will use to get you to pay off a debt. In fact I had a brother in-law who was being harassed by collectors who were looking for someone with the same name as his. I told him whatever you do, don’t pay off that debt because if you make even one payment you could now become liable for that debt.

    • says

      Chris, I’ve definitely heard of mistaken identity being an issue in the collections process. Unfortunately, there is a lot of room for human error when creditors report payments (or lack thereof) to the credit bureaus. How frustrating!

  8. says

    Good tips. When I did debt collections for mortgage payments, I would have to tell the borrowers about these tips. I would also let them know that they can send in a letter to the company to only have correspondence in writing, so we would only be able to send them letters to collect the debt. Also, if we contacted the borrower,then we would not be able to talk with them for 3 days. I would tell them to just answer the phone and verify their identity, then hang up. It counted as contact and would allow them to not worry for a couple of days. People loved those tips.

    • says

      Fantastic tips, Grayson! I love insider tips and tricks like these! Now, did your company require you to tell borrowers these tips, and if so, was it for compliance reasons – or just company policy?

  9. says

    Would you have to mail the letter as registered mail to prove they actually received it? It may quickly turn into a he said/she said scenario if they denied ever receiving the letter you sent.

  10. says

    Great advice. Back during the year I had no income, these calls were incessant. I needed these tips back then for some really shady calls. One organization in particular wouldn’t get off my back until I sent them written proof I’d paid the loan four times!

  11. says

    When I took my last job the person who hold the position before me apparently gave the work number for all her debts. I was harassed every single day. I tried telling them I have no idea what they were talking about but they won’t believe me. Initially I didn’t want to go to the IT people to change my phone because I felt her privacy has already been compromised enough by the collection people and I felt bad doing further damage by telling the IT folks the real reason I wanted to change the phone.

    After they someone found out my cell phone and started calling me at home, I decided to sit and educate myself on the collection practices. In the next phone call, I was ready for them to call. I quoted a bunch of law and finally told them if they call me ever again, I will involve my lawyer (it felt good to say that even though I don’t have a lawyer in a retainer). It stopped after months! Good riddance!

  12. says

    I JUST sent a certified letter! Some shady company trying to collect money on an account I don’t owe on. They called me on freaking Christmas Eve. Every time it’s for a different amount. And the original company I owe the “debt” to doesn’t have any record of it.

    Annoying. But the letter works. The calls have stopped. Just have to keep on top of my credit report now to make sure they don’t mess with it.

  13. says

    Great post. In the UK it is illegal to harass people to collect debt once they are in a debt management program. All the talks of collection have to go through a special bureau. Knowing your rights there is very important.

  14. says

    Unfortunately, I did have to deal this situation 11 years ago. Incredibly stressful. Your first tip about answering the phone is spot on. You have to deal with the problem. It took me a while to get this but once I did I was able to work with them and negotiate a one-time pay-off. Never again!

  15. says

    I had a school bill accidentally go to pre-collections (mistake by school…awesome, huh?) and despite the school itself confirming my bill was fully paid and this was a mistake, I still received harassing calls from a woman who left a fake name every time she called me.

    It finally worked itself out but those few weeks were brutal! I feel for the people who have to deal with this–some of the people making those calls are absolutely horrible.

    • says

      Wow, no fun! Were you able to get this deleted from your credit report? That’s always a scary thing when there’s a mistake like this. They say that 80% of credit reports have inaccuracies on them. Crazy!

  16. says

    Wish my parents had this info when I was growing up. I’m sure they paid more than one scammy company on debts they didn’t owe. I love giving the collectors the finger and busting out the FDCPA and threatening with the FTC reporting. These people are bullies, and it’s nice to know people have tools to help combat them.

  17. The Blonde says

    I know this might seem off, but I don`t get this normal use of credit card. why use money you don`t have? In Norway, we all have debit cards, i.e. the money we got on that certain card is our real money. Why is this so unusual in North America? Would people really be using that much money, if they were actually using their very money, and not something that got to be paid down sometime down the road. and not to mention interest. I just don`t get it. I do have a Mastercard, but it has a limit, and is only for emergencies. And this is the case for most Norwegians.

    • says

      Unfortunately, here in the US we seem to be pretty much addicted to our credit cards. I’m sure everyone from sociologists to economists have their own theories as to why we’re so dependent on credit. But yes, you Norwegians seem to have it right: using a debit card to spend money you have, and not paying so much in interest!

  18. says

    Okey, there was something weird that happened with my last post. For some reason it added another website that I definetely dont write. I`m at blondeonbudget, not blondestudentonbudget. Sorry for the mixup! Please delete it if possible!:-)

  19. says

    Very important information. Ignoring the calls doesn’t make the problem go away. Of course, the best path is to never get to the point of calls from collections agencies, but sometimes that does occur.

  20. says

    It’s sad when people find themselves in situations wherein collectors are calling constantly. For peace of mind, though, I think these tips are great. Situations where you are having trouble paying back owed money are very stressful, and these calls make it that much worse.

  21. says

    Hello there my family participant! I need to point out that this article is amazing, pleasant written and are avalable using about just about all crucial infos. I would like to seem extra posts such as this .

  22. says

    Howdy, I came across your internet site by means of Google concurrently because looking for a similar subject, your site showed up, it seems like very good. I have book marked to the favourites features|included in bookmarks.

Leave a Reply

Your email address will not be published. Required fields are marked *