Sometimes even your best efforts to make ends meet fall short and accounts fall behind. When you have accounts past due, you may face frequent creditor calls trying to collect that balance. Those calls can be stressful but they do not have to be.
There are a few steps you can take to stop creditors from calling you.
Tell them to stop contacting you
It sounds unrealistic, but you can tell a creditor to stop calling you. Put the request in writing and specifically state that they can no longer call you to collect this debt. Keep in mind that you may still receive letters or other information from the creditor, including confirmation that they received your request. Keep a copy of the letter for yourself in case you need to reference it later.
Retain an attorney
Retaining an attorney to handle creditor communication provides the creditors with someone else to contact. As soon as you retain an attorney, send that information to your creditors and state that they must contact your attorney moving forward. This transitions the contact from you directly to your attorney.
File for bankruptcy
When you find yourself in a position where you lack the financial means to resolve your debts, bankruptcy might be your best solution. As soon as you file for bankruptcy, your creditors receive a cease and desist order and can no longer contact you to collect on that debt.
You do not have to put up with harassing creditor calls. Ask them to stop, redirect them to an attorney or file for bankruptcy to get relief.