About Creditors

Get Relief from Creditor/Collection Harassment

My creditors keep calling. How long should I expect these calls to continue?

Have you noticed that it is the same one or two people calling on an account? This is more of a call center issue. Your original creditor hires call centers and the people on the other line have no power over your account. Some times the quickest way to reduce this is a letter directly from you to the creditor. There may still be calls coming in, but continue screening your calls with Caller ID or an answering machine, and before you know it, you’ll be ready to settle on your accounts and on schedule to being debt free.

Every time you pick up the phone, they know it is a number where they can get a hold of you and they will mark that number as responsive and they will continue to call. The best way to stop the calls is to not pick up the phone if you do not recognize the number. Once your account moves to a third party agency or a different department, they will send you notice and you should fax that to us immediately.

Although your original creditor has the right to call you, they do not have the right to harass you.

Will creditors call me at work?

Once you have informed the creditor that they are not allowed to call you at work they should not continue to do so. In fact, jeopardizing your employment with harassing calls is against the law. The quickest way to end these is a written request directly from you. When creditors call you at work they need to be notified of your rights. If you don’t notice a difference in a couple weeks you may also want to look into filing a compliant with the appropriate reporting agency.