Debt Collector Calling me at work!! - a guide under the FDCPA - Can Debt Collectors Call me at work?

Jeffrey Scott Hyslip

Written by  Pro

Chapter 7 Bankruptcy Attorney

Contributor Level 13

Posted over 1 year ago. 19 helpful votes

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1

Under the FDCPA, Can a Debt Collector call me at work?

No, Debt Collectors cannot calls you at work if your employer prohibits personal calls and the debt collector knows, or has reason to know that your employer prohibits personal calls.

2

Can Debt Collectors call me at work after I ask them to "STOP"?

No! Debt Collectors, assuming the FDCPA applies, cannot call you at work if you ask them to stop calling you at work. If you have any questions about whether or not the FDCPA applies, contact a reputable FDCPA attorney. Use this guide as a resource for picking out a "trustworthy" FDCPA attorney. http://www.avvo.com/legal-guides/ugc/fdcpa-attorney---how-to-choose-one

3

Can Debt Collectors threaten to call me at work after I ask them to "stop"?

No! Debt Collectors cannot threaten to do anything that they are not allowed to actually do. Since, in this case, they would be prohibited from calling you at work (since you asked them to stop) they cannot threaten to call you at work.

4

Can a Debt Collector contact my co-workers at my work?

Generally Speaking, No! Debt Collectors are only able to call third parties to either "Confirm or Correct" your location information. If they are speaking with someone at your work (assuming they are not trying to enforce a judgment) it seems pretty clear to me they already know how to contact you. As such, it would be difficult for a debt collector to say they had a reason to confirm or to correct your location information. After all, couldn't they have just asked for you?

5

Can a Debt Collector contact my boss?

As we explained above, debt collectors cannot speak with third parties unless its to confirm or to correct your location information. The fact that they speak to your "boss" proves that they know who your boss is. Therefore, in my opinion, the fact they are even speaking with your boss shows they are doing it to harass rather than to confirm or correct your location information. After all, why did they go straight to your boss? They could have easily asked for you or asked your receptionist (assuming you have one) to correct or confirm your location information.

6

Can a Debt Collector threaten to contact my boss at work?

No! Debt Collectors cannot threaten to do anything that they are not allowed to actually do. Since, as described above, they they are generally prohibited from calling your boss they cannot threaten to call your boss!

7

Can a Debt Collector threaten to contact my Co-Workers at work?

No! Debt Collectors cannot threaten to do anything that they are not allowed to actually do. Since, as described above, they they are generally prohibited from contacting your co-workers, they cannot threaten to do this when they call you at work!

8

Debt Collectors are calling me at work - Can you give me a brief synopsis of the law?

Basically, under the FDCPA debt collectors are allowed to contact you to collect a debt as long as they treat you fairly, are not rude, do not lie, and respect all of your requests. They cannot lie to you, threaten to do anything they don't intend to do, or make any misrepresentations while collecting debt. So, while the FDCPA understands that consumers need to pay their debts, it requires that debt collectors act respectfully while doing so. You need to make a living to pay your debt back. Therefore, Congress recognized that you should not be bothered at work with debt collectors calling you there simply to harass you!

Additional Resources

http://www.avvo.com/legal-guides/ugc/fdcpa-attorney---how-to-choose-one http://canadebtcollectorcall.com http://business.ftc.gov/documents/fair-debt-collection-practices-act Common FDCPA Q&A's --> http://www.fdcpahelp.com/fdcpa_help/

http://www.debtcollectorshateus.com/blog/

Lifetime Debt Solutions FDCPA Blog

FTC - FDCPA in .pdf Format

FDCPA FAQ

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