Before you call back — check the time
Calls before 8:00 a.m. or after 9:00 p.m. your local time are illegal.
What to do about collection calls
- Write down every call. Date, time, number, what was said. One call is a nuisance; a logged pattern is evidence.
- Don't pay to make it stop. Paying can restart the statute of limitations on a debt that was already too old to enforce.
- Ask for it in writing. A collector must send written validation within five days of first contact (§ 1692g(a)). If they won’t, treat that as the answer.
- Send a cease & desist. Once received, § 1692c(c) requires them to stop contacting you, with narrow exceptions.
Recording the call
Check first — a dozen states need everyone on the line to agree, and a collector is usually calling from another one. See your state's rules. Logging the call is lawful everywhere and is what actually builds the timeline.
Stop the calls
Or let us send the cease & desist for you.
Once the collector receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.
- Drafted from your logged contacts
- Printed and mailed certified, with tracking
- Delivery date filed to your evidence vault
- You approve the wording before it goes
One-time, no subscription. Logging calls is free — you only pay when a letter goes out.
Every number we've verified
83 totalGrouped by area code. If a collector called you from one of these, its page explains who they are and what they can't legally do.
(800) toll-free50
- (800) 207-8250Northland Group
- (800) 208-8565Sunrise Credit Services
- (800) 220-0605Monarch Recovery Management
- (800) 262-7229Franklin Collection Service
- (800) 278-7622Revco Solutions
- (800) 279-2160Diversified Adjustment Service
- (800) 279-9048IC System
- (800) 289-6400BC Services
- (800) 296-2657Midland Credit Management
- (800) 360-4319National Recovery Agency
- (800) 362-0097Harris & Harris
- (800) 364-0602Phillips & Cohen Associates
- (800) 377-7723Credit Management LP
- (800) 444-8485Convergent Outsourcing
- (800) 457-8220Capital Management Services
- (800) 460-0177RGS Financial
- (800) 462-8500ProCollect
- (800) 466-1446Gulf Coast Collection Bureau
- (800) 477-7474State Collection Service
- (800) 495-5322Fair Collections & Outsourcing
- (800) 501-0909Cavalry Portfolio Services
- (800) 521-3236Client Services Inc
- (800) 542-3357American Coradius International
- (800) 542-5254National Credit Adjusters
- (800) 576-6944Collection Bureau of America
- (800) 616-0166Municipal Services Bureau
- (800) 724-4439Mercantile Adjustment Bureau
- (800) 724-7500ConServe
- (800) 736-0480National Enterprise Systems
- (800) 741-2100LTD Financial Services
- (800) 750-7221Eastern Account System
- (800) 772-1413Portfolio Recovery Associates
- (800) 783-9118CMRE Financial Services
- (800) 800-5559Zwicker & Associates
- (800) 823-2318Medicredit
- (800) 824-6191First National Collection Bureau
- (800) 828-4416NCB Management Services
- (800) 834-2147Central Portfolio Control
- (800) 836-2442Pioneer Credit Recovery
- (800) 849-9791Williams & Fudge
- (800) 864-4391Professional Finance Company
- (800) 886-9177EOS CCA
- (800) 900-1380Penn Credit
- (800) 925-6686CBE Group
- (800) 953-6340Medical Data Systems
- (800) 964-9435Phoenix Financial Services
- (800) 969-0059Windham Professionals
- (800) 970-3399Southwest Credit Systems
- (800) 984-9115Healthcare Revenue Recovery Group
- (800) 990-7448The Bureaus Inc
(888) toll-free10
- (888) 283-2860ARS National Services
- (888) 486-8927Hunter Warfield
- (888) 586-4346Unifin Inc
- (888) 655-1832Plaza Services
- (888) 665-0374LVNV Funding
- (888) 720-4842Second Round LP
- (888) 786-8163Sequium Asset Solutions
- (888) 826-6110IQ Data International
- (888) 844-0891Source Receivables Management
- (888) 928-5474Coast Professional
(866) toll-free6
(877) toll-free6
(855) toll-free3
(833) toll-free1
Browse collectors
Or start from the agency instead of the number — the collector directory lists every verified agency, the numbers they call from, and where to send a letter.