How to Stop Harassing Creditor Calls

If you become delinquent on a credit card payment, you will start getting calls from the creditor regarding the missed payment. They will call you at every number they have listed on file for you. Sometimes the calls can get out of control. Usually when you tell a creditor to stop calling you, it is in one ear and out the other. With this tip, it will stop those harassing calls-legally.

Difficulty:

Moderately Easy

Instructions

Things You'll Need

• Account information (your name, mailing address and account number for account that is being referred to)
• Creditor address

1. Gather all information you can related to the account such as the name on the account, the account number, billing address and phone numbers where the calls are being made to. If the creditor has been calling you, they may have sent you a letter as well. Try to get their mailing address off the letter and take note of it.

2. If you can not find a mailing address for the creditor, you may need to take one of the calls from them and simply ask them for their mailing address. You don't need to tell them why you need it if you don't want to.

3. Once you get their mailing address, send them what is called a "Cease and Desist" letter. This letter will stop all creditor calls to you at your home and work. Make sure you mail this letter Certified Mail. To find a copy of this letter, you can do a search on "Cease and Desist" letter or "Do Not Call" letter. I also included a link for one in the resources.

Tips & Warnings

• Sometimes situations are out of our control and we miss paying a bill-try talking to the creditor before the situation gets out of control-they may work with you

• Make sure to write down all names, dates and times of these creditor calls

• If they call after you sent this letter, you can file a complaint against them

• Whenever you apply for credit-try to get away with giving out the least amount of phone numbers as you can

• Do not ignore creditors-you can but it can make the situation worse

• Do not make arrangements with any creditor without getting it in writing

• Make sure you send the letter Certified Mail-that is your only proof

Resources

• Debt Consolidation Care