Know Your Rights: Dealing with Creditor Calls and Harassment

Dealing with Creditor Calls and Harassment can be an emotionally taxing experience. However, it’s crucial to recognize that you have rights, and there are effective steps you can take to shield yourself from such distressing situations.

Understanding Creditor Harassment

Creditor harassment encompasses any communication from a debt collector that is deemed abusive, unfair, or unconscionable. This may manifest in various forms, such as:

1. Repeated Inconvenient Calls: Debt collectors call you persistently at inconvenient times.

2. Unacceptable Language: The use of profane or threatening language during communications.

3. False Statements: Making false or misleading statements about the debt you owe.

4. Illegal Threats: Threatening legal action that they are not legally entitled to take.

5. Unauthorized Contacts: Attempting to contact your family, friends, or neighbors regarding your debt.

Responding to Creditor Harassment

If you find yourself a victim of creditor harassment, there are proactive steps you can take to address the situation:

1. Document Everything: Keep a detailed record of all communications with the debt collector. Note the date, time, and nature of each interaction. Retain copies of letters or emails received.

2. Cease-and-Desist Letter: Send a cease-and-desist letter to the debt collector, legally instructing them to halt all communications. You can find sample letters online or through consumer protection agencies.

3. File a Complaint: Complain with the Consumer Financial Protection Bureau (CFPB), a government agency safeguarding consumers from unfair practices. File online or call 1-855-411-2372.

Additional Tips for Dealing with Creditor Calls

1. Avoid Admitting to the Debt: If you dispute the debt, refrain from admitting to it, as this may complicate the dispute process later on.

2. Debt Validation: If uncertain about the validity of the debt, send a debt validation letter to the collector, requesting verification.

3. Resist Pressure for Unaffordable Payments: Do not succumb to pressure to make payments beyond your means. Communicate the need for a feasible payment plan.

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Dealing with Creditor Calls and Harassment

Dealing with relentless creditor phone calls can undoubtedly be a source of stress and frustration. However, there are effective steps you can take to halt these calls and safeguard your rights.

1. Send a Cease-and-Desist Letter

Empowered by the Fair Debt Collection Practices Act (FDCPA), you can exercise your right to request a debt collector to stop contacting you. Craft a cease-and-desist letter articulating your desire to cease all communications, including phone calls. Send it via certified mail with a return receipt requested, ensuring your request is documented.

2. Validate the Debt

If uncertainty surrounds the validity of the debt, request written validation from the debt collector. The validation should encompass crucial details such as the debt amount, the original creditor, and the date the debt was incurred. Failure to provide validation legally obligates the debt collector to cease collection efforts.

3. Report Violations to the CFPB and Your State Attorney General

The Consumer Financial Protection Bureau (CFPB) and your state’s attorney general are your allies in enforcing the FDCPA. File a complaint with either or both agencies if you’re facing harassment. This not only puts a stop to the harassment but may also result in penalties for the debt collector.

4. Consider Legal Action

In cases of severe or persistent harassment, consulting with an attorney to explore the possibility of suing the debt collector is a viable option. You might be entitled to recover damages for the distress you’ve endured.

5. Block Caller ID

If the calls originate from a specific number, take control by blocking the caller ID on your phone. This simple step prevents the debt collector from reaching you through that number.

6. Change Your Phone Number

As a last resort, changing your phone number can be a drastic yet effective measure to halt harassing calls. While it might seem extreme, it could be necessary to alleviate significant distress caused by relentless harassment.

Remember, as a consumer, you have rights that protect you from harassment by debt collectors. By taking these proactive measures, you not only shield yourself from distress but also assert your rights and put an end to those intrusive and unwanted creditor calls.

How Many Calls from a Creditor Are Considered Harassment?

The Fair Debt Collection Practices Act (FDCPA) doesn’t specify a specific number of calls that constitute harassment, but it unequivocally prohibits debt collectors from engaging in “repeated or continuous calls” that annoy, abuse, or harass consumers.

Even a few calls can be deemed harassment if they exhibit characteristics like inconvenient timing, threatening language, or overall excessiveness.

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Factors Considered by Courts in Assessing Call Frequency

1. Number of Calls in a Given Period

Generally, making more than seven calls within seven days is considered excessive and may be viewed as harassment under the FDCPA.

2. Time of Day or Night

Calls made early in the morning or late at night are more likely to be deemed harassment. The FDCPA recognizes the importance of respecting consumers’ privacy during unconventional hours.

3. Content of the Calls

Calls that are threatening, abusive, or otherwise harassing in nature are more likely to be classified as excessive. The FDCPA aims to protect consumers from undue emotional distress.

4. Consumer’s Circumstances

Courts consider the consumer’s circumstances. If a consumer has a medical condition or faces other hardships making them more susceptible to harassment, this can be a crucial factor in determining whether call frequency is excessive.

Taking Action Against Excessive Calls

If you believe a debt collector is calling you excessively, it’s essential to take proactive steps:

1. Keep Detailed Records

Maintain a record of each call, noting the date, time, and content. This documentation is crucial evidence in establishing a pattern of harassment.

2. Send a Cease-and-Desist Letter

Exercise your right under the FDCPA by sending a cease-and-desist letter to the debt collector. Clearly express your desire for them to stop all communications, including calls, and provide your contact information.

3. File a Complaint

If the excessive calls persist after sending a cease-and-desist letter, you may have grounds to file a complaint. The Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office are avenues where you can seek assistance.

Understanding your rights under the FDCPA is crucial to ending harassing calls. By being informed and proactive, you not only protect yourself from undue stress but also contribute to upholding the standards set by the FDCPA for safeguarding consumer rights.


In the face of creditor calls and harassment, remember that you are not alone. Numerous resources, including consumer protection agencies and legal aid offices, are available to assist you. If the burden becomes overwhelming, reaching out for help can be a pivotal step toward regaining control and safeguarding your rights.

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