Debt collectors tend to be good at what they do, which means they use the tactics that get results. One such tactic is calling consumers who may already feel vulnerable regarding their debt when they’re at their most vulnerable, such as when they’re at work. The Fair Debt Collection Practices Act (FDCPA) takes the matter seriously and, in response, has serious limits in place when it comes to calling people at work. Discuss your related concerns with our experienced FDCPA attorneys at The Law Offices of Jibrael S. Hindi today.
If debt collectors are contacting you, it likely means that you’re already navigating financial difficulties. When overly aggressive collection tactics are added to the mix, it amplifies the impact. Calling consumers at work can make a challenging situation worse, and the FDCPA has careful restrictions in place.
There is no law that specifically bars debt collectors from calling consumers at work. There is, however, a specific instance when they cannot. Once you let a debt collector know that you can’t field personal calls at work, they are obligated by law to stop calling you there.
While verbal notification suffices for legal purposes, backing this up by notifying the debt collection agency in writing (via certified mail or by fax) can be more effective. This affords you with verification that the debt collection agency was aware of your no-call request, which can bolster any legal action you may need to take.
Debt collectors should also refrain from contacting you via your work email. Only under the following circumstances can a debt collection agency email you at work:
Other than calling your employer once in order to verify your employment, debt collectors are barred from calling your boss or colleagues. Discussing your debt, commenting on it, or even bringing it up to anyone other than you at your place of work is not allowed.
When debt collectors cross the legal line and harass consumers at work, they can be held legally liable. Ultimately, you can seek statutory damages for such practices as well as compensation for your legal fees and any actual damages you suffered, such as job-related losses.
Our well-respected FDCPA attorneys at The Law Offices of Jibrael S. Hindi will leave no stone unturned in our focused efforts to successfully resolve the problems you’re experiencing in relation to debt collection. You should not be subjected to overly aggressive tactics, and we can help. Learn more by contacting us online or giving our firm a call at 844-542-7235 today.