How it works?
How to Stop Credit Card Companies From Calling
Solutions
Get help managing your credit card debt through hardship programs designed to provide financial relief when you need it most.
How to Stop Credit Card Companies From Calling
Constant collection calls can be stressful and overwhelming. The good news is that you have legal rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from harassment.
Your Legal Rights
Under the FDCPA, debt collectors cannot:
- Call you before 8 AM or after 9 PM
- Call you at work if you've told them not to
- Use threatening, profane, or abusive language
- Harass you with repeated calls
- Misrepresent the amount you owe
- Threaten legal action they don't intend to take
- Discuss your debt with anyone other than you, your spouse, or your attorney
How to Stop the Calls
Method 1: Send a Cease and Desist Letter
Send a written request (certified mail with return receipt) telling the collector to stop contacting you. By law, they must honor this request.
Note: This doesn't eliminate your debt, but it stops the calls.
Method 2: Request Communication by Mail Only
You can request that all communication be in writing. This gives you documentation and time to respond thoughtfully.
Method 3: Block the Number
Use your phone's call-blocking features or your carrier's spam protection services to block specific numbers.
Method 4: Register for Do Not Call
While this doesn't apply to debt collection on existing debts, it can help with some marketing calls.
Important: Stopping Calls Doesn't Eliminate Debt
While you can legally stop collection calls, the debt still exists. Ignoring it could lead to lawsuits, wage garnishment, or damage to your credit. Consider addressing the underlying debt through hardship programs, settlement, or other relief options.
What to Do If Your Rights Are Violated
- Document everything: Keep records of all calls and communications
- File a complaint with the Consumer Financial Protection Bureau (CFPB)
- Report the collector to your state Attorney General
- Consider consulting with a consumer rights attorney
- You may be entitled to damages of up to $1,000 per violation
Compare Top Debt Relief Companies
If you have over $10,000 in unsecured debt, these companies can help you reduce what you owe and get back on track financially.
| Company | Customer rating | Our pick for | Debt minimum | Maximum fee | Settlement timeline | Year founded | |
|---|---|---|---|---|---|---|---|
  | Best overall | $10,000 | 25% of debt | 12 to 48 months | 2009 | Get Started | |
 | Low fees | $10,000 | 25% of debt | 24 to 48 months | 2002 | Get Started | |
 | 3.7 | Small debts | $10,000 | 25% of debt | 24 to 48 months | 2016 | Get Started |
 | Customer service | $10,000 | 25% of debt | 24 to 48 months | 2011 | Get Started |
Simply Debt Smart is a private company, not affiliated with any government agency. We may receive compensation from some partners when you engage with our site—such as clicking a link, calling a number, or submitting a form. All content is for general information only. Please consult with qualified financial, legal, or tax professionals before taking action.
NOTICE TO VERMONT CONSUMERS:
This website is a loan solicitation service, not a lender. Simply Debt Smart will share your information with one or more third-party lenders as part of your loan inquiry. Please note that the lender you are connected with may not be subject to all Vermont lending laws, but may be governed by applicable federal regulations.
Home Warranty disclosure for New Jersey Residents: The product being offered is a service contract. It is separate and distinct from any warranty that may be provided by a home builder or product manufacturer.
Simply Debt Smart does not accept loan or mortgage applications, nor does it make credit decisions. Instead, we present rates from lenders that are licensed or otherwise authorized to operate in Vermont. If you choose to be connected, we forward your information to the selected lender so they can contact you directly.
Copyright © 2025 All rights reserved. Simply Debt Smart.
v1.1.3