It can be very intimidating and even downright scary to have creditors calling you. You may get this kind of phone calls known as collection call if you have forgotten, missed, or fallen behind your bill payments.

Collectors turn to misrepresentation and harassment just to collect on the owed debt most of the time. If creditors have been harassing and constantly calling you, here are a few ways that will help you to stop creditors from calling you and put an end to these calls soon.

Avoid Ignoring the Calls in the First Place

If you want these calls to stop, the number one best thing you can do is to avoid ignoring them. Pick up that phone and know the exact debt they want to collect on. Inquire about the balance owed and check if it is possible to come up with a suitable arrangement for repayment.

Ignoring these calls will never stop them in the first place. It is the legal right of creditors to collect debts and they can call several times a day if you don’t answer, which depends on where you live.

Failure to make arrangements for paying the collectors will even show the credit bureau that your debt is still outstanding and this can continue lowering your credit score. If you don’t make any arrangements at all, this may soon result to wage garnishment or liens on your assets.

So, stop ignoring those calls and communicate with the collection agency on a regular basis.

Stop Calls from Debt Collectors with a Cease and Desist Letter

You can also request to have all communications in writing alone. If the collection agency has become too harassing or you are trying to come up with funds to give to the agency, you can request them to have communications sent to you through the mail. This form of communication is called a Cease and Desist Letter that basically informs the agency that you prefer written communication going further.

See to it that you keep your own copy of this letter and ensure that you send this registered for you to have proof that they were able to receive your request. You can go online to find samples of these letters.

After having this request, don’t forget to open all letters from the agency to check if they sent you any legal documents. When the agency continues to call even after you request them to cease in writing, call a lawyer who can direct you to the next step you can take.

Block Numbers You Don’t Know

Many phone companies will let you block unknown numbers. All you have to do is go to the settings that will let you block unwanted calls. Phones also have a Do Not Disturb setting and you can also choose which contacts can call you.

It is recommended that you talk to a credit counselor to know all the options available for you. These experts can go into detail about this, especially when you reached the point that you can no longer arrange to pay back your debt all by yourself and if the agency calls you on end.

All these are the tips that you can use to Stop Creditors from Calling You. Read more informative articles related to credit here.