It’s hard to get out of debt. Even worse is when collection agencies start calling your job. Its embarrassing and could get you fired. Can debt collectors call your work? Do you have any protection under the debt collection laws?
You Have Rights! The Fair Debt Collection Practices Act (FDCPA)
There is a federal law that protects you from shady debt collection techniques. The Fair Debt Collection Practices Act (FDCPA) protects you from unfair, abusive, or deceptive practices being used against you by debt collectors.
The law covers any personal or family debts you have. This includes credit card debt, auto loans and your home mortgage. The law does not apply to business loans.
A debt collector under the law is anyone who regularly collects debts. This includes collection agencies, lawyers who regularly collect debts, and other companies that buy old debts and try to collect on them.
Can Debt Collectors Call Your Work?
Not if you tell them not to. Debt collectors may not contact you at work if they are told either orally or in writing that they may not contact you at work. If you get a call from a debt collector at work, you need to either take the call once and immediately inform them that they may not call you at work.
Be sure to document the time and date of the call and ask for the identity of the caller so that you can record this information in case they violate the law by continuing to call.
If you are not able or willing to take the call at work once, then send notice in writing to the company stating that they may not call you at work. Send the letter via certified mail so that you have proof that the company received your notice. This will be your proof if further violations occur.
More Protection from Debt Collection Laws
The debt collection laws in the FDCPA provide other protections. Debt collectors are not allowed to contact you at inconvenient times or places. They may not call you before 8 a.m. or after 9 p.m.
No matter how they contact you, they must disclose that they are debt collectors. It is against the law for them to pretend to be someone else. They are not allowed to harass, threaten, or deceive you.
If a debt collector has violated the law when contacting you, you may have the right to sue in court. You would need to consult a lawyer depending on the specifics of your situation.
You can stop debt collectors from calling you at work once you tell them to stop. By law, they are required to stop. Be aware that this doesn’t make your problem go away. You still owe the debt and you still need a plan to repair your credit.
Trust me, I have been on the receiving end of several calls from debt collectors at work. Its embarrassing and affects your ability to do your job. It adds to that feeling of fear that keeps you from dealing with it. Credit Repair Judo is about facing those fears and using the laws to your advantage while you tackle your credit repair problems.
Use the law so you can focus at work, but don’t ignore the problem. You can face this challenge!