Debt Collectors Calling Nonstop? Learn How to Stop Harassment Today

Are you receiving relentless calls from debt collectors at all hours? You’re not alone. Debt collection agencies often use aggressive tactics, leaving consumers frustrated and stressed. But here’s the good news—you have rights, and there are ways to put an end to the harassment.

In this guide, we’ll cover why debt collectors call so frequently, what laws protect you, and actionable steps to stop the calls for good.

Why Are Debt Collectors Calling You?

Debt collectors call for one primary reason: to collect money on an outstanding debt. However, not all collection attempts are legal. Some collectors use intimidation, threats, and even deception to pressure you into paying.

Common reasons for nonstop calls include:
Unpaid debt – You may have an outstanding balance.
Mistaken identity – They could be calling the wrong person.
Zombie debt – They’re trying to collect on an expired or settled debt.
Scam attempts – Some calls come from fake debt collectors looking to steal money.

Regardless of the reason, you don’t have to endure constant harassment.

Your Rights Under the FDCPA (Fair Debt Collection Practices Act)

The FDCPA is a federal law that protects consumers from abusive debt collection tactics. Under this law, debt collectors CANNOT:
Call you before 8 AM or after 9 PM.
Threaten you with jail time or violence.
Contact you at work if you’ve asked them not to.
Call you repeatedly to annoy or harass you.
Misrepresent the amount you owe.

If a collector violates these rules, you have legal grounds to take action.

How to Stop Debt Collectors from Calling

1. Request Written Communication Only
You can demand that debt collectors stop calling and only communicate in writing. Send a "Cease and Desist" letter to make this request official. Under the FDCPA, they must comply.

2. Verify the Debt
Before making any payments, ask for a debt validation letter. This document proves the debt is yours and details the amount owed. If they fail to provide proof, they must stop contacting you.

3. Block Their Number
Most smartphones allow you to block unwanted calls. While this won’t stop them from trying other numbers, it can reduce the frequency of harassment.

4. Report Violations
If a debt collector breaks the law, report them to:

• The Consumer Financial Protection Bureau (CFPB)
• The Federal Trade Commission (FTC)
• Your state’s Attorney General

5. Consider Legal Action
If a collector continues to harass you despite your requests, you may be able to sue them for damages under the FDCPA. Some consumers have won lawsuits against aggressive collectors, receiving up to $1,000 in statutory damages plus attorney fees.

Final Thoughts

Debt collector calls can be overwhelming, but you don’t have to suffer in silence. By understanding your rights and taking proactive steps, you can stop the harassment and regain your peace of mind.

If you're facing persistent debt collection harassment, consult with a consumer rights attorney to explore your legal options. You deserve relief from unfair debt collection practices!