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How do I get my creditors to stop calling me?

Article updated on 19/08/2019
One of the hardest things about struggling with debt is all the calls, letters and emails that you get from collection agencies and creditors. They use a harsh tone and put pressure on you when you’ve already got a lot on your shoulders.


How do I get my creditors to stop calling me?
  • Collection agencies are often paid according to how much money they get back. But that doesn’t give them the right to threaten or harass you. You’ve got rights and they need to be respected!
  • You can ask a Licensed Insolvency Trustee for help. Together, you can find the best solution to get you out of debt. They’ll also act as an intermediary between you and your creditors, so that they can’t contact you directly anymore.
  • Debt consolidation is another option. In this case, you would take out a bank loan to pay all your creditors in one monthly payment. Again, your creditors would stop contacting you.

Why are my creditors harassing me?

If you’re behind on your bills, it’s normal for collection agencies to be calling you. Your creditors hired them to get as much money as possible back from you. Their employees are often paid commission, so they can be insistent and impatient.

But that doesn’t mean that they have the right to intimidate, threaten or harass you—or call you in the middle of the night! You’ve got enough on your mind, and their attitude won’t fix anything. And remember: you have rights.

How do I get creditors to stop calling me?

SOLUTION 1: Get help from a Licensed Insolvency Trustee

If you haven’t been able to make ends meet for a while, it’s time to reach out to someone who can help. A financial recovery counsellor is the most qualified professional to help get you out of debt.

Your counsellor’s role is to find the best option for you. They also act as an intermediary between you and your creditors, and they’ll get creditors and collection agencies to stop calling you.

Your counsellor can propose several solutions. For example, you could file a consumer proposal or declare bankruptcy. This might all sound scary, but in both cases, it would be the beginning of the end of your money troubles.

Consumer proposal or bankruptcy: find guaranteed relief

Whether you’re filing a consumer proposal or declaring bankruptcy, the process is similar. Your counsellor will:

  • Assess your situation with you and outline your options
  • Tell your creditors which solution you’ve chosen
  • Handle the process until you’re debt free

Basically, your counsellor is there for you from start to finish. And because your creditors can only get in touch with your counsellor, you won’t have to put up with their harassment. You can finally rest easy!

SOLUTION 2: Borrowing to settle your debt

Maybe a consumer proposal or bankruptcy isn’t the best way for you to get out of debt. If that’s the case, there are other solutions. You could take out a loan to settle your current debts. This process is also known as debt consolidation. It’s another efficient way to get creditors off your back!

When you consolidate your debt, you take out a bank loan to pay all your debts at once. Then the only thing you need to think about is making one monthly loan payment. Forget having to pay tons of bills and answering calls from collection agencies chasing down payments.

The important thing to remember about this solution is that you need to make sure that the bank offers you a better interest rate and terms than what you already have with your creditors. Otherwise you’ll be losing money.

That said, if you’re interested in this solution, remember that you’ll only be offered a loan if your debt hasn’t already been turned over to a collection agency. If this is the case, financial institutions won’t be so keen to lend you money. But all is not lost. There are other solutions!

I’m confused and I don’t know what to do. Who can help me?

If you’re lost, don’t panic. It’s normal to feel overwhelmed in your situation. The good news is that there are highly competent professionals with years of experience who are available to help. And above all, remember that most people get out of debt when they seek help. So chat with one of our online counsellors or book an appointment. Everyone has the right to respect and dignity. Our professionals are here to support you with sound advice and guidance so you can regain your peace of mind.