The collector uses a new number every time — how do I deal with that?

Last updated: 2026-07-12 · Educational content; not legal advice.

Short answer

Switching SIMs does not make the harassment legal — SEC Memorandum Circular 18 (2019) bans threats, obscene language, false representations, and contacting third parties no matter which number they call from, and the person who stays liable is the lender or agency behind the calls, not the SIM. Log every new number with the date, time, and what was said, screenshot the messages, and note which lender or app it traces to; that record is what you file. Because the SIM Registration Act (RA 11934) ties each SIM to a registered identity, a pattern of throwaway numbers can be reported and traced. Report the pattern to the SEC and, for misuse of your data, to the NPC.

Primary sources

Frequently asked

If they keep changing numbers, is there any point in reporting?

Yes. The violation is the harassment, and the liable party is the lender or agency behind the numbers, not the SIM. Log each number and tie it to the same lender — a documented pattern is stronger evidence, not weaker.

Does the SIM Registration Act help?

RA 11934 ties each SIM to a registered identity, so a string of throwaway numbers used to harass you can be reported and, with the authorities, traced. Keep the numbers and screenshots for your complaint.

Should I just keep blocking each new number?

Preserve evidence first, then blocking is fine — but they may keep switching. Pair it with a written cease-contact demand and a report to the SEC; see /answer/should-i-block-a-debt-collector-or-keep-the-records.