Can I Stop A Collector Contacting Me?

Setting reasonable limits

You can ask a collector to adjust how and when they contact you: a preferred channel such as email, suitable times, or a sensible frequency. You can also ask that contact at work or with third parties stop where you provide another way to reach you.

These are reasonable requests that fit the aim of fair, considerate contact. Putting them in writing creates a clear record and makes them easy to honour.

At Merion we will work with your contact preferences. Tell us what works for you.

Limiting contact vs resolving the debt

It is important to understand the difference between managing contact and dealing with the underlying debt. Reducing or redirecting contact does not, on its own, make a genuine debt go away.

If a debt is valid, it generally remains owing even if you ask for less contact. The most durable way to bring contact to an end is usually to resolve the debt, for example by paying it, arranging a plan, or settling a genuine dispute.

Making a clear request

A short written request works best. For example: "Please contact me only by email, and not at my workplace. I will respond through that channel." Provide reliable contact details so the request can succeed.

If you completely cut off communication without engaging, a collector may still attempt to reach you through other reasonable means, so some engagement usually serves you better than silence.

Hardship and vulnerable circumstances

If you are experiencing financial hardship, illness, or other difficult circumstances, it is worth letting the collector know, as this can affect how your situation is handled. Seeking support early can also help.

This is general information only and not legal advice. The free National Debt Helpline on 1800 007 007 offers confidential, independent support, and you can read about asking for written contact.