Are debt collectors calling you at work? Do you tense up every time you hear the phone ring because you fear it’s another collection call? Are these incessant calls making you feel harassed or embarrassed?
We strive to protect the rights of our clients. So, we want you to know two things:
You have the power to stop collection calls yourself.
You have the power to stop debt collectors from calling you at work.
We have been helping people get out of debt for decades, and for decades we have fought against debt collectors harassing our clients with unrelenting collection calls. We understand that everyone wants to pay their bills, but when you simply do not have the money, you cannot pay.
Stop Debt Collectors From Calling You At Work
To stop debt collectors from calling you at work: tell them that your employer prohibits the call.
Under the federal Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. 1692(a)(3) debt collectors may not communicate with you: “at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.”
This may seem too simple, but once you tell a debt collector that your employer prohibits the call, any future calls to your work would be in violation of your rights.
Considering bankruptcy but worried that your employer will find out? Read our article Will My Employer Know If I File For Bankruptcy? HERE.
When A Debt Collector “Has Reason to Know” That Your Employer Prohibits Collection Calls At Work
In many cases, the debt collector “has reason to know” that an employer would prohibit collection calls. First, workplace policies prohibiting employees from taking nonemergency calls at work are not uncommon. Second, if the collector has dealt with the same employer before, they have reason to know that your employer prohibits such calls. Third, clearly for certain occupations, a debt collector has “reason to know” that an employer would prohibit collection calls. It is obvious that many occupations, such as a school teacher, ambulance driver, or restaurant waitstaff, would not be allowed to receive calls on the job.
When A Debt Collector Can Call You At Work
There are two exceptions that allow a debt collector to contact you at work:
- You give your consent for them to do so.
- There is a court order in place allowing them to do so.
Absent these two circumstances, tell them that your employer prohibits the call and they must stop calling you at work.
Stop All Calls From Debt Collectors
You have the power to stop collection calls yourself. Under federal law, once you notify a collection agency in writing that you no longer wish to receive phone calls, they cannot legally continue to call you except under limited circumstances.
Learn how to put an end to all collection calls here!
Also, we want you to know that filing for bankruptcy immediately stops all collection action! Follow us on Facebook for more tips to stop creditor harassment and collection action against you!
We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.