How to Avoid Debt Collection Calls: Tips from Acme Credit Consultants Ltd

If you’re getting debt collection calls, you’re not alone. Many people in the UK feel stressed by overdue payments and constant calls. At Acme Credit Consultants Ltd, we help people take charge of their finances. We also assist them in legally halting debt collectors.Tips from Acme Credit Consultants Ltd

In this blog, we will cover how to deal with debt collection calls. We’ll discuss your rights under UK law and share steps to boost your finances. With the right strategy, you can silence those unwanted calls.

Why am I receiving debt collection calls?

Debt collectors usually call after you miss payments on:

  • Credit cards
  • Personal loans
  • Store cards
  • Utility bills
  • Council tax
  • Overdrafts or payday loans.

These calls can come from your lender or a debt collection agency that bought your debt. Agencies must follow strict rules about how and when they can contact you.Tips from Acme Credit Consultants Ltd

The Stress of Debt Collection Calls

Frequent calls from debt collectors can cause:

  • Anxiety and stress
  • Sleep issues
  • Strained relationships
  • Mental health challenges

At Acme Credit Consultants Ltd, we understand the difficulties of financial problems. We offer confidential, non-judgmental support to help you every step of the way.

1. Know Your Rights Under UK Debt Collection Laws

Understanding your rights can help protect you from harassment.

According to the Financial Conduct Authority (FCA) and the Consumer Credit Act:

  • Debt collectors must treat you with fairness.
  • They cannot call at unreasonable times (like early mornings or late at night).
  • They must not pressure, threaten, or deceive you.
  • You can request communication in writing only.
  • You can file a complaint if they break these rules.

Pro tip: You can write to the debt collector to ask them to stop calling you. This is your legal right.

2. Don’t ignore the debt – take action early

Ignoring debt is a common mistake. Unfortunately, it usually gets worse. Avoiding the issue can lead to:

  • Extra interest and fees
  • A County Court Judgment (CCJ)
  • Bailiff action
  • A damaged credit score

Instead, consult a debt advisor early. At Acme Credit Consultants Ltd, our specialists will assess your situation and offer tailored advice to help you regain control.

3. Create a budget and prioritise payments

Start tackling debt by understanding your income and expenses. Create a realistic monthly budget and find areas to cut back.

Prioritize essential bills like:

  • Rent or mortgage
  • Council tax
  • Energy bills
  • Court fines

Then, set aside funds for other debts. Even small, regular payments can ease creditor pressure.

Need help with budgeting? Our friendly team at Acme Credit Consultants Ltd can assist you in creating a suitable plan.

4. Consider a debt solution that stops collection calls.

In the UK, several formal debt solutions can help. They can reduce or freeze interest, consolidate debts, and stop collection calls. These include:

✔️ Debt Management Plan (DMP): a flexible deal with creditors to pay back debts at a rate you can afford. Many creditors stop contacting you once a DMP is in place.

✔️ Individual Voluntary Arrangement (IVA) A legal agreement that freezes interest and cuts down some of your debt.

After an IVA is approved, you cannot be contacted directly by creditors.

✔️ Debt Relief Order (DRO) for those with low income and few assets. It stops debt collection for 12 months and may lead to debt forgiveness.

✔️ Bankruptcy is a last option, but it can clear debts and stop collection calls entirely.

Unsure which option suits you? Our licensed debt advisors at Acme Credit Consultants Ltd will provide free, confidential advice to help you choose the best path.

5. Communicate in writing and keep records

If a debt collector contacts you, always:

  • Request written confirmation of the debt.
  • Keep copies of all letters and emails.
  • Record the dates and times of phone calls.
  • Avoid making promises you can’t keep.

You can send a “prove the debt” letter asking the agency for proof that you owe the money. If they can’t prove it, they must stop pursuing you. Our team can help you draft this letter to protect your rights.

6. Get professional help from Acme Credit Consultants Ltd

You don’t have to face this alone. At Acme Credit Consultants Ltd, we’ve helped thousands in the UK stop debt collection calls and find lasting financial freedom.

We offer:

  • Free, confidential debt advice
  • Help with writing to creditors.
  • Tailored debt management plans
  • IVA helps from licensed practitioners.
  • Support every step of the way.

Don’t wait for things to worsen—take the first step toward a debt-free future today.

Final Thoughts: You Don’t Have to Face Debt Alone

Being pursued by debt collectors is hard, but it doesn’t have to last. By acting early and talking to a qualified advisor, you can stop the calls, lower your debt, and rebuild your life.

Contact Acme Credit Consultants Ltd today for free, confidential support.

Frequently Asked Questions (FAQs)

Q: Can debt collectors contact me at work?

A: They can, unless you have requested otherwise. You can ask for all communication in writing.

Q: Will an IVA stop debt collection calls?

A: Yes, once your IVA is approved, you must stop all creditor contact.

Q: How long do debt collectors try to collect a debt in the UK?

A: Most debts become “statute barred” after six years with no payment or acknowledgment, but this doesn’t apply to all debts. Professional advice is essential.

Q: Will ignoring debt collectors make them go away?

A: No. Ignoring them can lead to court action. Always seek guidance and respond appropriately.

Get Help Today

If you’re struggling with debt and need relief from collection calls, reach out to Acme Credit Consultants Ltd. We’re here to listen, guide, and help you turn things around.

Call us now or request a callback via our website.

Free, confidential, and with no obligation.