How to Stop Phone Calls From Credit Card Companies

If your phone is ringing at all times of the day because of overdue credit card bills, it's time to make the calls stop. Unlike a debt collector, a credit card company is the primary creditor; as such, it's under no obligation to follow any laws that govern debt collection. However, there are ways to stop a credit card company from ringing constantly. Some of these methods may not be convenient, but they'll bring the harassing calls to an end.

Instructions

1

Make a minimum payment on your bill. This changes the status of your account from late to active and on track. Credit card companies will often leave a debtor alone if they simply make a marked effort to bring arrears up to date.

2

Tell the collections representative that, according to state law, they're no longer allowed to call. Since federal Fair Debt Collection Practices Act statute doesn't apply to the primary creditor, state law is the next step. Refer to your state's debt and creditor guidelines for the exact wording of the law in order to apply it correctly.

3

Send a certified letter that requests no more phone calls. The letter must list your name, address, phone number and account information along with a strong and direct request to only correspond in writing. Keep a copy of this letter on your files for reference if the calls keep coming.

4

Leave the calls unanswered, or block the number. If the credit card company has a main calling number, block this caller with your Caller ID service or through your cell phone. Keep in mind that companies often try calling from another number if the first doesn't work, so this solution is temporary at best.

5

Declare bankruptcy. By law, if a creditor is included in a bankruptcy filing, they can no longer call for purposes of collection. If the company continues to call anyway, report them to the bankruptcy lawyer for possible civil damages and penalties.