A debt collection agency’s goal is to get you to repay your debt through whatever means necessary. If you find yourself in debt, you’re probably no stranger to calls from debt collectors insisting you pay overdue bills. Debt collection agencies use a variety of tactics to find phone numbers they can use to reach you. Unfortunately, your work phone is often one of them.
Repeated calls to your place of work can not only be annoying, but it can also put your reputation on the line and your job at stake. If you find yourself in this situation, there are steps you can take to make it stop. Read on to learn about debt collection practices and how to make collectors stop calling you at work.
Are Debt Collectors Allowed to Call Me at Work?
Debt collectors are allowed to call you at work, but only under specific circumstances. The Federal Debt Collection Practices Act (FDCPA) outlines specific rules that debt collectors must follow when trying to contact you. One of these rules states that debt collectors are not allowed to call you at work if they know that your employer doesn’t approve of it. If you have an occupation where you’re typically not supposed to take calls, the debt collector should understand and refrain from doing so.
How Can I Get Them to Stop?
Getting debt collectors to stop calling you at work is a relatively easy task. The next time one tries to contact you, tell them that your employer does not want them to call you at work or that you aren’t allowed to take personal calls on-the-job. Once you tell them this, they are legally required to cease calling you at that number.
Be sure to document the date and time you tell the debt collector to stop. You may also want to send a follow-up letter stating that you told them to stop calling you at work. Written documentation of your request may help you in the future if you have to pursue legal action.
What if They Continue to Call Me?
The debt collector is still allowed to call you at other numbers on file, but if they continue to call you at work after you explicitly told them not to, they violate your rights as a consumer.
The first thing you can do is submit a complaint to the Consumer Financial Protection Bureau (CFPB). If this collector has a high volume of complaints against them, the CFPB could fine them and demand them to stop breaking the law.
Continuous harassment at work is also a violation of the FDCPA. These violations may allow you to take the debt collector to court to seek actual and punitive damages. If you decide to pursue an FDCPA violation, it’s essential to enlist the help of an experienced consumer law attorney.
The Law Offices of Jibrael S. Hindi has prosecuted thousands of cases against FDCPA violations on behalf of consumers, and are eager to help you today. We can help you receive up to $1,000 from your FDCPA violation case. Our team is passionate about consumer rights and is willing to help you find the compensation you are entitled. There are no attorney fees unless you get paid. Call us today at 1-844-JIBRAEL to get started.