How to deal with collection calls?

When you initially incur a debt, it's natural for the creditor to contact you to try to make payment possible. This also happens with companies.

That's why you get collection calls. The problem is that credit institutions often lose control and insist on collections, even to the point of being invasive.

Please note: having debts is not a crime, but abusive debt collection is. This means that you can be charged, but there are limits on how this collection can or cannot be done.

Therefore, collection calls can only take place from Monday to Friday, from 8 am to 8 pm, and on Saturdays, from 8 am to 2 pm.

You can email the collection agency that called you.

To do this, it is important to write down the name given by the person who called you and look for a way to contact them online.

Then, use the company's email or "contact us" form to inform them of your unavailability hours and formally request that they not call you during this time, as the situation is interfering with your professional life. This is your right to avoid embarrassment.

Is it possible to block collection calls?

Yes. It's possible to block unknown numbers using a service from Anatel, one from Procon, and also through apps.

Do Not Disturb Me

The Do Not Disturb platform is from Anatel and was created so that we can request the blocking of certain calls. Simply access the website, create a login and make the request by providing your cell phone number.

This service is valid for calls from telecommunications service providers and financial institutions.

Blocking apps

There are apps that have a database of numbers from many billing companies and automatically block calls.

Just install the app on your phone, go to the blocking settings and activate it.

 This way, you help to update the database list.

What should you know before blocking collection calls?

Blocking unwanted calls won't make the debt disappear. Blocking is helpful to avoid harassment and embarrassment, but if you have one or more debts in your name, it's best to seek negotiations.

Nowadays, there are many online debt negotiation options. With this type of solution, indebted consumers can negotiate their debt directly from their computer or cell phone, without having to speak to a customer service representative.

Keep in mind that trying to prioritize debt repayment and negotiating it is better than avoiding it.

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