Is a Debt Collector Allowed to Call Me at Work?
In case having debt collectors after you at all hours of the day wasn’t overwhelming enough, you also have to worry about them getting in touch with people close to you. While they cannot discuss your debt with other people, they can call family, friends, and other people to get information on your address, phone number, and where you work. This poses a problem for those who cannot receive calls at work—are debt collectors allowed to call you there or can you force them to stop?
If you’ve been targeted by unethical debt collectors, our team is here to help you defend your rights. Call Ron Aslam Law Office at 502-581-1676 to schedule a consultation now.
How and When Debt Collectors Can Contact You
The FDCPA sets strict limits on how and when debt collectors can reach out to consumers. This law was put in place to protect consumers from the underhanded and unethical collection methods used by collectors, who were known to call constantly until someone picked up, make threats, or call early in the morning or late at night.
Under the FDCPA, debt collectors cannot contact debtors prior to 8:00 A.M. or after 9:00 P.M. unless you give them explicit permission to do so. They can contact you during these times to discuss credit card debt, medical bills, car loans, student loans, and household debts. Business debts are not covered under the FDCPA.
Debt collectors can essentially use any means of contact to get in touch with you. This includes phone calls, letters, e-mails, and text messages. However, if you request that all communication be done in writing, they must honor that request.
Getting Collection Calls at Work
For many people, their biggest worry is getting collection calls at work. Not only do collection calls interfere with their day-to-day work and interrupt their productivity, it can be extremely embarrassing if a coworker or receptionist intercepts a collection call.
Per the FDCPA, debt collectors are allowed to call you at work unless they have reason to know that you are not permitted to receive those calls at work.
Stopping Unwelcome Work Calls
How can you stop unwelcome work calls? Simply tell the debt collector that they cannot contact you at work anymore. A verbal notice is enough to force them to stop, but putting the request in writing can help you if they ignore your request and continue calling. If they continue to contact you at work after you have explicitly told them not to, they are in violation of the FDCPA. The law allows you to recuperate up to $1,000 for each violation of the FDCPA.
Protecting Your Rights
The FDCPA is very clear about what rights debtors have and what obligations debt collectors have. While most collection agencies and debt collectors know about restrictions under the FDCPA, you may find that many continue to violate different terms of the act. This is because they know they can usually get away with it.
Few consumers are even aware of the FDCPA, and even fewer know about their specific rights under this law. Knowing this, debt collectors can continue to harass debtors, call them at work, and otherwise unfairly pressure them to make payments they cannot afford.
That’s why it is crucial to take steps to protect your rights when you are being pursued by a debt collector violating the FDCPA. The FDCPA allows consumers to receive up to $1,000, plus attorney’s fees and other expenses, for every violation of the law. By learning more about the FDCPA and getting a full understanding of your rights under this law, you can protect your privacy and even hold debt collectors accountable for violating the law.
The first step is to contact a bankruptcy and debt collection attorney in your area. They can help you get a better understanding of your rights and push back against illegal collection efforts.
Choose Ron Aslam Law Office for Your Legal Needs
At Ron Aslam Law Office, we know how aggressive and pushy debt collectors can be. We fight hard on behalf of every single client to ensure that they aren’t taken advantage of by rogue debt collectors. Set up a consultation now by calling us at 502-581-1676 or getting in touch with us online.