How to Deal With Credit Card Debt Collection Agency Phone Calls

Credit card debt collection agencies may start a pattern of calling you frequently regarding unpaid debts. While collection agencies can call debtors, they cannot threaten, harassment or abuse debtors. Several tactics can help you deal with annoying calls, and in some cases, stop calls and communication with a credit card debt collection agency completely.

Instructions

1

Tell them to stop calling your job. Credit card debt collection agencies may acquire your work number and call you on the job. Stop communication attempts at your place of employment by simply demanding (in writing or over the phone) that the agency stop phoning your job. According to the Federal Trade Commission, an agency must comply with this request.

2

Send a letter to stop phone calls to your home. With your letter requesting that an agency stop calling your work, include a notation informing the collector to stop calling your house as well.

3

Give the agency a reminder. Collectors are not authorized to call before 8 a.m. and 9 p.m. If you receive calls before or after these hours, remind the collector of this rule. Inform them of your plan to file a complaint if they continue to call before or after these hours.

4

Ask for confirmation and tell the collection agency to stop calling or writing until they send written proof that you owe the amount. Put this request in writing and keep a copy of the letter.

5

Report harassment by a debt collection agency. File a complaint with the Federal Trade Commission and your state's Attorney General if a credit card debt collection agency violates the law.