Skip to content
Client PortalContact(647) 946-2077
Litvack Group
Home›What We Do›Stop Collection Calls
What We Do

Stop Receiving
Collection Calls
For Good

Tired of calls and letters from collectors all day? The moment you file with us, the harassment stops - immediately and by law.

Book My Free Consultation →
★ 5.0 Google Rating·99% Success Rate·Confidential·No Obligation
★★★★★4.9from 60+ reviews
Recent Calls
Collections AgencyMissed · 8:41 AM
14 calls
Unknown NumberMissed · Yesterday
6 calls
Proposal Filed
All Creditor CallsBlocked by law
Collection Calls
Stopped by Law
Calls stop immediately
Legal protection kicks in
Stop all interest on debts
Reduce debts by up to 80%
Why It's Happening

Why Am I Receiving Collection Calls?

When you miss payments, your creditor eventually sends the account to a collection company. Collection companies only get paid when you pay — so they're highly motivated to keep calling, often multiple times per day.

Once sent to collections, the debt is usually reported on your credit report, which damages your credit score and can affect your ability to get loans, rent a home, or even get certain jobs.

The good news: there are legal ways to make it stop — and we can help you choose the right one.

On Every Dollar CollectedCommission-Based
~20 - 30% AgencyOriginal Creditor
The collection agency only gets paid if you pay — which is exactly why the calls don't stop on their own.
Collection companies are
paid on commission
They have every incentive to keep calling until you pay -
or until you have legal protection.
The Hidden Damage

Does a Collection Account Lower My Credit Score?

Yes — significantly. Once your account is sent to a collection company, it's almost always reported on your credit report. This can drop your score by 100+ points and stay on your report for up to 6 years.

A lower credit score means higher interest rates, rejected loan applications, and added stress. The longer you wait, the harder it becomes to recover.

A Consumer Proposal or Bankruptcy stops collection activity immediately and puts you on a path to rebuilding your credit — often within 2 - 3 years.

Typical Credit Score Impact
Before collectionsGood (700+)
After 1 collection accountFair (580 - 620)
Multiple accounts in collectionPoor (below 500)
After a Consumer Proposal, most clients rebuild to a good score within 2 - 3 years.
Your Options

How Can I Stop Collection Calls?

There are three main paths. We'll help you figure out which one fits your situation in a free consultation.

1
Repay Your Debts in Full
Use savings or obtain a loan to pay off the creditor directly. Once paid, the collection activity stops. This is the simplest option — but only works if you have the funds available.
2
Negotiate With the Collection Company
Collection companies often have the authority to accept a discount if you can make a lump sum payment. You can negotiate directly or have us negotiate on your behalf. This may settle the debt for less than the full amount.
3
Consumer Proposal or BankruptcyMost Effective
This is the most powerful option. The moment you file, all collection calls stop by law — from every creditor simultaneously. Interest freezes. Wage garnishments stop. You get immediate legal protection while we work out a plan to reduce your total debt by up to 80%.

Free Consultation

Book Your Free 30-Minute Consultation

Tell us a little about your situation and we'll be in touch within one business day.

Free Consultation

Book Your Free 30-Minute Consultation

Tell us a little about your situation and we'll be in
touch within one business day.

Confidential · No obligation · No judgment

Common Questions

Stop Collection Calls Frequently Asked Questions

Straight answers about your rights andhow to make the calls stop.

Q
Is it legal for collectors to call me every day?
Collection agencies are regulated provincially and generally limited in how often and when they can contact you (for example, Ontario limits calls to three times in a seven-day period without your consent). Calling excessively or at unreasonable hours can breach these rules.
Q
Can I just tell them to stop calling?
You can ask a collector to contact you only in writing, and they must generally comply. This doesn't erase the debt or stop other creditors from calling — it only limits that one collector's phone contact.
Q
Do collection calls stop immediately when I file?
Yes. The moment a Consumer Proposal or Bankruptcy is filed, an automatic stay of proceedings takes effect under federal law — all collection calls, letters, and legal action from unsecured creditors must stop right away.
Q
What if a collector keeps calling after I file?
Once we notify your creditors of the filing, continued collection activity violates the stay of proceedings. Let us know right away — we'll intervene directly with the collector or creditor on your behalf.
Q
Will negotiating with a collector hurt my credit?
A settled-for-less account is typically reported as "settled" rather than "paid in full," which can affect your credit. A Consumer Proposal has a defined, predictable impact and end date instead.

Your Financial Fresh Start Is Waiting

Schedule your free, confidential, no-obligation consultation today. In 30 minutes, we'll have a plan to stop the calls and reduce your debt.

Book My Free Consultation →
★ 5.0 Google Rating · $0 Upfront Fees · 99% Success Rate