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The reason why anybody buys a phone is to maintain contact with the outside world and get in touch with loved ones on a regular basis. However, when you find yourself in one bit of a debt situation and you are unable to pay on time; your creditors begin to place unnecessary calls to you. These calls are known as collection calls and they are placed by your creditors to remind you that you have defaulted on a loan payment and you have not done anything about it. It becomes quite embarrassing to receive these calls on a daily basis because most of them are placed to you at the most awkward hours and you cannot do anything about it. Your favorite ringtone seems to become the most irritating noise on earth because your creditors do not have a call schedule and can place the call to you at any time of the day between the hours of 8am and 9pm. If you find yourself in this type of situation, below are some useful tips to stop collection calls.