Stop Creditor Calls Once and For All
Constant calls from creditors and debt collectors can feel like harassment. The anxiety every time the phone rings, the dread of checking your post. There are legal ways to stop this, and we can help you find the right solution.
The Impact of Constant Calls
Anxiety and stress
Dreading every phone call affects your mental health
Sleep problems
Worrying about calls disrupts rest and recovery
Work disruption
Calls at work can risk your employment
Relationship strain
The stress affects your family and loved ones
Your Rights With Debt Collectors
Debt collectors must follow FCA rules. Here is what they are not allowed to do.
No calls at unsociable hours
Creditors should not call before 8am or after 9pm
No excessive contact
Multiple calls per day or aggressive behaviour is harassment
No contact with family
They should not discuss your debt with family members
Right to written confirmation
You can request proof of the debt in writing
Protection from threats
Threatening language or behaviour is prohibited
Privacy at work
They should not call your workplace without good reason
Is it Harassment?
If creditors are doing any of the following, it may constitute harassment:
How to Stop Creditor Calls
There are several ways to stop creditors contacting you. Here they are, from least to most effective.
Write to creditors
TemporaryRequest they contact you only in writing. They should respect this, but the debt remains.
This stops calls but does not address the underlying debt. Creditors can still take legal action.
Debt Management Plan
GoodYour DMP provider becomes your point of contact. Creditors deal with them, not you.
Most creditors will stop calling once you have a DMP in place, though it is not legally binding.
Individual Voluntary Arrangement
CompleteAn IVA legally prohibits all creditor contact. They must stop all communication by law.
This is the only solution that legally forces creditors to stop. Once approved, contact must cease.
How an IVA Stops Creditor Contact
An IVA (Individual Voluntary Arrangement) is the only debt solution that legally forces creditors to stop all contact. Once your IVA is approved, creditors are bound by law to communicate only through your Insolvency Practitioner.
- No more phone calls
- No more letters or emails
- No visits to your home
- Legally binding protection
- Plus remaining debt written off
What Happens When You Get an IVA
IVA proposal accepted
Creditors vote and 75% must agree
All creditors notified
They are legally bound by the arrangement
Contact stops immediately
Creditors must cease all direct contact
Peace and quiet
You make one payment and focus on your life
How it works
Getting help is easier than you think. Here is what happens when you get in touch with us.
Have a chat with us
Call us or fill in the form. We will listen to what is going on and explain your options in plain English. No pressure, just help.
We look at your situation
We will work out what money is coming in, what is going out, and what you owe. This helps us find the best way to help you.
We sort everything out
Once you decide what to do, we handle all the paperwork and talk to the companies you owe money to. You do not have to do this yourself.
Get debt free
You make one payment each month that you can afford. Your debt goes down, and eventually, you are free of it. A fresh start.
Ready to take the first step?
Check If You QualifyPeople Who Stopped the Calls
Real stories from people who found solutions to end creditor harassment.
"I was getting 5 or 6 calls a day. It was affecting my mental health and my sleep. The day my IVA was approved, it all stopped. Complete silence. I cried with relief."
Angela F.
Manchester
Result
All calls stopped immediately
"They were calling my work and I nearly lost my job. The debt management plan meant they dealt with my provider instead of me. I could finally focus on my work again."
David T.
Birmingham
Result
No more calls at work
"My anxiety was through the roof every time the phone rang. Now I actually answer my phone again. The IVA gave me my peace of mind back along with writing off half my debt."
Michelle K.
Glasgow
Result
Peace of mind restored
Questions About Creditor Calls
Common questions about dealing with creditor harassment and stopping debt collector calls.
If you are being harassed by creditors, we can help you find a solution to stop the calls.
Get Free AdviceHow do I stop creditors from calling me?
There are several ways to stop creditor calls: You can write to them asking them to communicate only in writing. You can enter a Debt Management Plan where your provider handles all creditor contact. Or you can enter an IVA, which legally prohibits creditors from contacting you. The most effective and permanent solution is a formal arrangement like an IVA.
Is it harassment if debt collectors keep calling?
Frequent calls can be considered harassment under FCA guidelines. Debt collectors should not call excessively, at antisocial hours (before 8am or after 9pm), or in a way that causes distress. If you feel harassed, you can complain to the Financial Ombudsman. However, the most effective way to stop calls is to address the underlying debt through a formal solution.
Can creditors call me at work?
Creditors should generally avoid calling your workplace unless you have given permission or they have no other way to contact you. If creditor calls at work are causing problems, you can write to them requesting they do not call you at work. Entering an IVA stops all creditor contact including to your workplace.
What are my rights with debt collectors?
You have the right to be treated fairly. Debt collectors must not harass you, use threatening behaviour, contact you at unreasonable times, discuss your debt with others, or misrepresent themselves. They must provide written confirmation of the debt if requested. FCA regulations protect you from unfair collection practices.
Can I tell creditors to stop calling?
Yes, you can write to creditors asking them to contact you only in writing. They should respect this request. However, this does not stop the debt or prevent them from taking other action like court proceedings. For a complete and legally binding stop to all contact, you need a formal debt solution like an IVA.
What happens if I ignore debt collectors?
Ignoring debt collectors does not make the debt go away. They may escalate to legal action, obtain a CCJ (County Court Judgment), or instruct bailiffs. The debt may also be sold to another collection agency who will start contacting you again. It is better to seek debt advice and find a solution that addresses the underlying problem.
Can debt collectors contact my family?
Debt collectors should not discuss your debt with family members or contact them to pressure you. They may contact a family member once to get your contact details if they cannot reach you, but they should not reveal the nature of their call. If collectors are harassing your family, this is a breach of FCA rules.
What is the best way to deal with debt collectors?
The best approach is to seek professional debt advice. Options include entering an IVA (which legally stops all contact and can write off debt), a Debt Management Plan (where your provider handles creditor communication), or negotiating directly with support. Ignoring the problem usually makes it worse.
Ready to Stop Creditors Calling?
You do not have to live with constant harassment. Our free 2 minute assessment will show you the best way to stop creditor contact and deal with your debt once and for all.
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