{"id":2470,"date":"2021-10-29T22:56:46","date_gmt":"2021-10-29T22:56:46","guid":{"rendered":"https:\/\/safecreditsolutions.com\/tell-debt-collector-to-stop-calling\/"},"modified":"2026-03-10T18:19:34","modified_gmt":"2026-03-10T18:19:34","slug":"tell-debt-collector-to-stop-calling","status":"publish","type":"post","link":"https:\/\/safecreditsolutions.com\/en\/blog\/tell-debt-collector-to-stop-calling\/","title":{"rendered":"Can You Tell a Debt Collector to Stop Calling You?"},"content":{"rendered":"

You know you have debts\u2014perhaps even from past financial mistakes\u2014and you\u2019re working to pay them off, even if you can\u2019t do it all at once. Constant calls from collection agencies don\u2019t change that reality. Can you ask them to stop calling? Yes.<\/strong> The Fair Debt Collection Practices Act (FDCPA)<\/strong> protects people like you from abusive debt collectors when dealing with overdue payments and accumulated debt. Among other protections, the law covers harassment and intimidation by collectors\u2014calling too frequently can be considered harassment.<\/p>\n

No matter how many times they call, when they call, or where they call you, you have the legal right to tell them to stop contacting you. Even if they are following the rules, you can still request that they stop if you simply no longer want to receive calls. It\u2019s time to learn how to make debt collectors stop calling you.<\/p>\n

How to make a debt collector stop calling you<\/h2>\n

If you are receiving multiple calls per day\u2014even late at night\u2014you have the right to demand that they stop. For the request to be legally binding, you must make it in writing<\/strong>.<\/p>\n

Once you notify a debt collector in writing that you want them to stop contacting you, they are no longer allowed to contact you again except to:<\/p>\n

    \n
  • \n

    Confirm that they will stop contacting you, or<\/p>\n<\/li>\n

  • \n

    Notify you that your creditor may take a legally permitted action, such as filing a lawsuit.<\/p>\n<\/li>\n<\/ul>\n

    Keep in mind: getting them to stop calling does not<\/strong> mean the issue is resolved. Your creditor may still take legal action or report the debt negatively to a credit reporting agency.<\/p>\n

    What to include in your letter<\/h2>\n

    Be as specific as possible. Your letter should include:<\/p>\n

      \n
    • \n

      Who they are (the collection agency) and who you are<\/p>\n<\/li>\n

    • \n

      Which debt you are referring to (account number, original creditor, amount)<\/p>\n<\/li>\n

    • \n

      A clear instruction stating that you do not want to receive further contact<\/p>\n<\/li>\n<\/ul>\n

      Once they receive your letter, they must stop calling. If they continue contacting you, they may be violating the law\u2014or it could be a sign of a scam.<\/p>\n

      Where to file a complaint and find sample letters<\/h2>\n

      If you experience problems with debt collectors, you can file a complaint with the Consumer Financial Protection Bureau (CFPB)<\/strong> by calling (855) 411-CFPB (2372)<\/strong>. The CFPB also provides sample letters that you can use to prepare your official \u201ccease contact\u201d<\/strong> request.<\/p>\n

      Contact Safe Credit Solutions<\/h2>\n

      You don\u2019t have to handle this situation alone. At Safe Credit Solutions<\/strong>, we can help you deal with debt collector harassment. It\u2019s just one of the services we offer\u2014we also work with you to improve your credit score and strengthen your financial situation.<\/p>\n

      We\u2019re only one call away.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

      You know you have debts\u2014perhaps even from past financial mistakes\u2014and you\u2019re working to pay them off, even if you can\u2019t […]<\/p>\n","protected":false},"author":1,"featured_media":2823,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[85,66],"tags":[],"class_list":["post-2470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles-en","category-blog-en"],"_links":{"self":[{"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/posts\/2470","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/comments?post=2470"}],"version-history":[{"count":3,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/posts\/2470\/revisions"}],"predecessor-version":[{"id":3250,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/posts\/2470\/revisions\/3250"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/media\/2823"}],"wp:attachment":[{"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/media?parent=2470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/categories?post=2470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/safecreditsolutions.com\/en\/wp-json\/wp\/v2\/tags?post=2470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}