How Do You Stop Harassing Phone Calls From Creditors?

Harassing phone calls from debt collectors can not only disrupt your personal life, they can impact your professional life, as well. Therefore, it is important and useful to know how to stop those annoying phone calls before they become too overwhelming. It is important to determine if the caller has a legitimate reason for contacting you.

One way to do this is by determining if the debt in question is legitimate. If you don't recall incurring the debt in question, ask the creditor's representative for a written report on the debt including when it was allegedly incurred, to whom it is owed, and what the terms of payment are. If you don't think the debt is legitimate, continue on to Step Two, below.

If the debt is truly owed, continue on to Step Three. Contact your local phone company right after receiving the harassing call from the illegitimate debt collector and report the scam. You may also ask the phone company to trace the call to get the phone number of the perpetrator.

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