Ascent Network: How To Stop Debt

September 09, 2022

If you’re struggling with debt, you may be receiving calls from a debt collector. These calls can be very overwhelming and emotionally draining. You may have wondered, “Can I tell them to stop calling? How do I stop bill collectors from calling my cell phone?”

Fortunately, resources and laws are in place to help you. The Fair Debt Collection Practices Act (FDCPA) protects you from abusive debt collectors, and the law prohibits debt collectors from making harassing or threatening phone calls or using profane language. Read below to learn how to stop debt collector calls.


The law is very clear on what creditors can and cannot do, and knowing your rights helps you deal with debt collectors. Federal law restricts debt collectors from:

  • Claiming to be attorneys or government representatives
  • Misrepresenting the amount you owe
  • Using unfair practices to collect interest on top of what you owe them
  • Contacting you by postcard
  • Giving false credit information about you


Debt collectors should not contact you for a debt you do not owe. If they contact you regarding a debt, ask them to verify the debt first. They are not allowed to contact you if they cannot verify it.

If they can verify the debt, you may wonder, “Can I tell a debt collector to stop calling?” Yes! You can stop bill collectors from calling your cell phone and harassing you by sending a cease and desist letter telling them to stop contacting you.

Ensure you send the cease and desist letter by certified mail and pay for a return receipt so you are sure the mail arrived, and keep a receipt confirming the collector received it. Once they receive the letter, they will contact you once more via mail to let you know that they have stopped further efforts to contact you regarding the debt and will be considering other actions.

Another way to prevent creditors from calling you is by telling them you prefer to communicate with them through writing. The debt collectors will be mandated to write you letters instead, and you will be able to keep a record of everything said.


If you have a bad credit score, you may receive more collection calls than before. Most of these calls are legitimate debt collectors trying to collect on the accounts they represent. But fraudsters may also be calling, pretending to be debt collectors. To keep you safe, this is what you should not do when a debt collector calls.

You should not give a debt collection company your financial information. This includes your

  • Social security number
  • The value of the property you own
  • Bank account numbers

Debt collectors may use this information to collect from you through a bank levy, wage garnishment, or property lien if the judgement is in their favor. You should only provide basic information concerning your debt.

You should not make a small payment to show “good faith” when a debt collector asks you to. This is because this only extends the statute of limitations. Remember that the clock resets to the date you last made your payment.

You should not admit the validity of your debt, as this also revives the statute of limitations. When you make a promise such as “I know I have a debt and will start paying next month,” debt collectors take it as a separate contract that renews the statute of limitations.

You should not ignore a debt collector’s call as they may be calling to let you know they have filed a lawsuit. Ignoring such a call may warrant a default judgement against you, and you may be slapped with other legal fees.

You should also control your temper when talking to a debt collector so that they may not use it in court, as it will show that you are abusive, thus hurting your chances of winning the lawsuit.


A credible credit repair company like Ascent Network has the expertise needed to identify errors such as debts that have not fallen off your credit report after the seven-year lapse.  They can also identify errors in your credit report that you may miss and file a dispute with credit bureaus so they can fix the mistakes. This ultimately stops calls from debt collectors.


Debt collectors call when you have a delinquent debt meaning that your credit score also has been impacted negatively. The Ascent Network helps repair credit and communicate with your creditors on your behalf. They let you know which options you should take to improve your credit, which debts have fallen off the statute of limitations, or whether to pay for delete.

A more positive outlook toward a more financially secure future starts today. Give the Ascent Network a call today at 1-877-871-2400. Ascent Network helps consumers all over the United States and is available locally in Huntington Beach, CA, Coachella Valley, Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Desert Hot Springs, Indian Wells, La Quinta, Indio, and Thousand Palms.